vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-19 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: MD

Complaint narrative:
Where to begin with this XXXX XXXX XXXX company?! Each time I submit a dispute, the results are " ready for review '' in less than 30 days and they always find " no fault '' relative to the companies that provide information relating to products I have taken advantage of ( i.e. credit card companies/and or banks ). When I submit disputes against XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX , they always provide the same blanket statement that " the incorrect information has not been removed from your credit report '' which is ILLEGAL! If an account is over 7 years old, then why are REFUSING TO REMOVE IT?! If an account contains incorrect information, and I upload physical documents to support my dispute, then why are you REFUSING TO REMOVE IT? Not to mention, within the last year my credit score has dropped almost XXXX points based on the systematic and erroneous processes that are in place to systematically XXXX consumers over by attempting to automate actions that require human follow up and review. For example, at the beginning of the month my credit score always increases between 3-5 points and then 3-5 days later without rationale my credit score decreases XXXX points based. My credit then continuously fluctuates throughout the month, even when creditors are not reporting information. There is no real way to address these significant issues as customer service is a clown show and it feels pointless to waste time calling customer service. Not to mention, I have had instances when my credit score decreased almost XXXX points and I was not notified. For example, on XX/XX/XXXX, my credit score decreased by XXXX points, then on XX/XX/XXXX my credit score decreased XXXX points and I was not notified of these significant change, on XX/XX/XXXX my credit score increased by XXXX points, then decreased by XXXX points on XX/XX/XXXX, then on XX/XX/XXXX my credit score decreased XXXX points, then on XX/XX/XXXX my credit score increased XXXX points, and than on XX/XX/XXXX it decreased by XXXX points! THIS IS INSANE AND SEEMS LIKE EXPERIAN HAS SIGINIFICANT GLITCHES IN THEIR ALGORITHM AND DOESNT HOLD ANY COMPANIES WHO ARE RESPONSIBLE FOR REPORTING ACCURATE AND CORRECT INFORMATION ACCOUNTABLE AS THEY SERVE AS AN ENTITY THAT ENSURES THE ENTITY REPORTING THE INFORMATION BENEFITS AT ALL COST!

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 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX and Equifax credit reporting agencies, 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 a personal credit card account opened at XXXXXXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), an auto loan account opened at XXXX XXXX on XX/XX/XXXX, an auto loan opened at XXXX on XX/XX/XXXX, a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$1000.00}, a collections account opened at XXXXXXXX XXXX on XX/XX/XXXX with a balance of {$690.00} a collections account opened at XXXX on XX/XX/XXXX and XX/XX/XXXX with a balance of {$410.00} and {$320.00}, a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX with a balance of {$3200.00} and {$130.00} a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$1800.00} a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$390.00} a collections account opened at XXXX on XX/XX/XXXX with a balance of {$230.00} and a collections account opened ay XXXX XXXX on XX/XX/XXXX with a balance of {$140.00}. 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-19 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: CA

Complaint narrative:
I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information. 
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 2025-01-20 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 violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: SANTANDER HOLDINGS USA, INC.
State: AL

Complaint narrative:
I show XXXX  XXXX XXXX is listed on all three of my credit reports. 
This is not my account and needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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 Cashapp ( Block Inc ) due to inadequate customer service and unfair practices which violates the consumer financial protection act. Specifically, cashapp fail to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. furthermore, their dispute process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act and Regulation E. These actions have caused significant inconvenience and financial issues and i seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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: MD

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Credit Services Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Subject XXXX Formal Dispute of Inaccurate Information and Notice of FCRA Violations Dear XXXX, This will be my final attempt to dispute the inaccurate information that has been reinserted into my credit report after it was previously deemed unverifiable and removed. Your company has not been compliant with conducting proper investigations.

Per 15 U.S.C. 1681i ( a ) ( 1 ), credit reporting agencies are required to conduct a reasonable investigation of disputed information within 30 days. Despite multiple dispute letters sent to your agency, you have failed to provide reasonable protocol on how these accounts were investigated violating 15 USC 1681i ( a ) ( 6 ) ( B ) ( 3 ) along with responding within the legally allotted time frame Additionally, the re-insertion of previously removed and unverifiable information without following the required protocol violates 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). According to this law, any information that is reinserted must be certified as accurate and the consumer must be notified within XXXX business days. No such notification was provided to me. 
I would also like to bring to your attention the ongoing lawsuit against XXXX filed by the Consumer Financial Protection Bureau ( CFPB ) for similar violations, further underscoring the severity of these issues.Due to these repeated violations and the substantial harm caused, I will be seeking punitive damages for your continued non-compliance with federal law. 
I demand that all inaccurate and improperly reinserted accounts be permanently removed from my credit report immediately. 
Failure to comply will result to me seeking {$XXXX} per violation found on my consumer report Thank you 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 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Subject XXXX Formal Dispute of Inaccurate Information and Notice of FCRA Violations Dear XXXX, This will be my final attempt to dispute the inaccurate information that has been reinserted into my credit report after it was previously deemed unverifiable and removed. Your company has not been compliant with conducting proper investigations.

Per 15 U.S.C. 1681i ( a ) ( 1 ), credit reporting agencies are required to conduct a reasonable investigation of disputed information within 30 days. Despite multiple dispute letters sent to your agency, you have failed to provide reasonable protocol on how these accounts were investigated violating 15 USC 1681i ( a ) ( 6 ) ( B ) ( 3 ) along with responding within the legally allotted time frame Additionally, the re-insertion of previously removed and unverifiable information without following the required protocol violates 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). According to this law, any information that is reinserted must be certified as accurate and the consumer must be notified within 5 business days. No such notification was provided to me. 
I would also like to bring to your attention the ongoing lawsuit against XXXX filed by the Consumer Financial Protection Bureau ( CFPB ) for similar violations, further underscoring the severity of these issues.Due to these repeated violations and the substantial harm caused, I will be seeking punitive damages for your continued non-compliance with federal law. 
I demand that all inaccurate and improperly reinserted accounts be permanently removed from my credit report immediately. 
Failure to comply will result to me seeking {$XXXX} per violation found on my consumer report Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I was advised to report this collections because the original way I attempted to get debtresolution assitance failed me and the credit card companies XXXX XXXX closed my account and charged it off XXXX XXXX. And the other one attempting to report through another collections company, was XXXX XXXX closed my account and charged it off as well. I was advised since these companies took a write off that they got tax breaks and I was no longer responsible for the accounts. And I shouldnt be sent to any collections companies because they are fraudulently double dipping on these accounts and negatively impacting my credit. As i mentioned before I tried to get help on resolution but it failed and went unpaid for so long the credit card companies wrote them off which I was told makes me no longer liable. ( Plus the balances are mostly due to extended fees not what i originally started with so theyre like double ). Please help me resolve these XXXX negative impacting accounts that were wrote off but now they want me in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
Cash App failed to take timely and effective measures to prevent address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: TX

Complaint narrative:
These problems with the reporting accounts started back in XX/XX/XXXX where I disputed these accounts with all XXXX credit bureaus. This led me to file a report regarding Identity Theft. I understand that Equifax has experienced a data breach and that my information due to not being verified and validated from disputed accounts XXXX also fall under this purview. I am asking that all information in dispute be removed from my credit report. 

XXXX XXXX XXXX XXXXXXXX Start XX/XX/XXXX {$XXXX} XXXX XXXX Bank Acct XXXX Start XX/XX/XXXX {$XXXX} XXXX XXXX Bank Acct XXXX Start XX/XX/XXXX {$XXXX} XXXX, XXXX XXXX Start XX/XX/XXXX {$XXXX} XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XX/XX/XXXX {$XXXX} XXXX Acct XXXX Start XX/XX/XXXX {$XXXX} Incorrect names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
Several collections accounts on my credit report that do not belong to me appearing after security breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: AZ

Complaint narrative:
After doing some research i found out my data was leaked in a breach. I don't know how this happens but it resulted in multiple accounts that werent mine on my report. There were XXXX as of XX/XX/XXXX. The accounts are XXXX XXXX XXXX opened on XX/XX/XXXX with a {$XXXX} balance. XXXX XXXX XXXX opened on XX/XX/XXXX with a {$XXXX} balance. XXXX XXXX opened on XX/XX/XXXX with a {$XXXX} balance. XXXX XXXX opened on XX/XX/XXXX with a {$XXXX} balance. XXXXXXXX XXXX XXXX XXXX (  XXXX XXXX XXXX XXXX  ) opened on XX/XX/XXXX with a {$XXXX} balance. As you can see most of the accounts were opened within the same time frame.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-19 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: AZ

Complaint narrative:
After doing some research i found out my data was leaked in a breach. I don't know how this happens but it resulted in multiple accounts that werent mine on my report. There were XXXX as of XX/XX/XXXX. The accounts are XXXX XXXX XXXX opened on XX/XX/XXXX with a {$820.00} balance. XXXX XXXX XXXX  opened on XX/XX/XXXX with a {$1300.00} balance. XXXX XXXX opened on XX/XX/XXXX with a {$4400.00} balance. XXXX XXXX opened on XX/XX/XXXX with a {$1800.00} balance. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) opened on XX/XX/XXXX with a {$1200.00} balance. As you can see most of the accounts were opened within the same time frame.

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 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redres : ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: MS

Complaint narrative:
I recently did an investigation on my credit report and I am verifying that these NEGATIVE accounts are not mines. 
Under the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. You are reporting fraudulent accounts that are not mine, which is infringement of my privacy. Congress says I have a right to decide what I deem private. I deem that these NEGATIVE accounts to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT. FDCPA 807 states that these NEGATIVE accounts are misleading false reporting. 
Under 15 USC 1681b - permissible purpose of consumer reports. THE LAW STATES ( a ) In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 6802 - I have the right to opt out of any information shared to a financial institution, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice, which I have not received. 
XXXX PLEASE DON'T RESPOND TO MY REQUEST SAYING THAT THESE ACCOUNTS ARE VERIFIED BY THE INFORMATION PROVIDER, SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
When I signed up for my credit card, I activated the auto-pay feature to automatically cover my monthly bills. However, after a few months of not using the card, I checked the app to see my available balance. To my surprise, I found that the auto-pay feature had been turned off without my knowledge, and my account had accrued several interest and late fees. When I contacted Capital One to address the issue, they couldn't explain why the auto-pay was XXXX for months without notifying me. We then set up a payment plan, and they assured me that they would waive the recent fees and that I wouldn't incur any additional charges as long as I adhered to the plan. Despite this, Ive noticed that I'm still being charged those fees, even though I have been following the plan.

Company response to consumer: Closed with explanation