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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Debt Verification Request Due to XXXX Data Breach To Whom It May Concern '' I am writing to formally request verification of the debt referenced in your recent communication Account Number : XXXX As a victim of the breach, my personal information, including Social Security number, was compromised. I request that you provide the following information to verify this debt : 1. The original creditors name and contact information.

2. The specific amount of the debt and a breakdown of charges.

3. A detailed record of how this debt was incurred. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request verification of this debt, and I ask that you provide the necessary documentation before any further action is taken. 

If this debt is indeed a result of fraud, I will also be reporting the incident to the appropriate authorities and will seek resolution through fraud protection channels. 
Please respond to this request at your earliest convenience. You can contact me at email address- XXXX 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 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I sent in disputing asking them to show me proof of the investigation & never received it it just comes back verified.

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: Early Warning Services, LLC
State: FL

Complaint narrative:
I am writing to formally express my concern regarding Zelles handling disputes. Despise using Zelle numerous amount of times and reporting all of this discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering the loss of funds was impossible, and that tracking these transactions was unfeasible. The CFBP findings indicate that Zelle has not only neglected to protect its consumers but has also allowed a repeat offenders to exploit the system leaving users to a vulnerable scams. This lack of accountability transparency is very unacceptable and it raises serious concerns about consumer safety

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: MI

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 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 inconveniences and have caused 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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBERXX/XX/XXXXto support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX - XX/XX/year> XXXXXX/XX/XXXX - XX/XX/scrub>/2024 In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 againts Cash App ( CLock, 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. Futhermore, their dispute resolution process was unfair and deceptive as they did not comply with wrror resolution requirementd under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. Theses 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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am fling a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) 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 collections accounts I've marked as inaccuracy.

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:
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 theseviolations.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Consumer Financial Protection Bureau Subject : Request for Assistance Regarding Inaccurate Information on My Credit Reports To Whom It May Concern, I am writing to formally request your assistance regarding unresolved disputes with XXXX, XXXX, and TransUnion concerning inaccurate information on my credit reports. Despite my attempts to dispute these inaccuracies directly with the credit reporting agencies, I have not received sufficient proof or data substantiating the information. 

Upon reviewing information about the CFPB lawsuit involving these credit bureaus, I believe I may have been impacted. In my previous disputes, the responses I received from the bureaus were generic and did not provide evidence that an investigation was conducted as required under the Fair Credit Reporting Act ( FCRA ). 

Under FCRA, I am entitled to have all inaccurate or unverifiable information removed from my credit reports, yet the bureaus have failed to fulfill this obligation. This ongoing issue has caused significant harm to me financially, as the inaccurate reporting affects my ability to secure credit and other financial opportunities. 

I kindly request the following : 1. A thorough investigation into my disputes with XXXX, XXXX, and TransUnion to determine whether the proper procedures were followed. 
2. Immediate removal of all inaccurate and unverifiable information from my credit reports, in compliance with FCRA guidelines. 
3. An explanation of the steps the credit bureaus are required to take when conducting a dispute investigation, as well as how they ensure compliance with these steps. 

Attached are copies of my previous dispute letters, responses from the bureaus, and any supporting documentation relevant to my claim. 

Thank you for your time and attention to this matter. I trust that the CFPB will take the necessary steps to ensure that my rights under the FCRA are upheld and that the credit bureaus are held accountable for their obligations. 


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 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: NC

Complaint narrative:
Consumer Financial Protection Bureau Subject : Request for Assistance Regarding Inaccurate Information on My Credit Reports To Whom It May Concern, I am writing to formally request your assistance regarding unresolved disputes with XXXX, Equifax, and XXXX concerning inaccurate information on my credit reports. Despite my attempts to dispute these inaccuracies directly with the credit reporting agencies, I have not received sufficient proof or data substantiating the information. 

Upon reviewing information about the CFPB lawsuit involving these credit bureaus, I believe I may have been impacted. In my previous disputes, the responses I received from the bureaus were generic and did not provide evidence that an investigation was conducted as required under the Fair Credit Reporting Act ( FCRA ). 

Under FCRA, I am entitled to have all inaccurate or unverifiable information removed from my credit reports, yet the bureaus have failed to fulfill this obligation. This ongoing issue has caused significant harm to me financially, as the inaccurate reporting affects my ability to secure credit and other financial opportunities. 

I kindly request the following : 1. A thorough investigation into my disputes with XXXX, Equifax, and XXXX to determine whether the proper procedures were followed. 
2. Immediate removal of all inaccurate and unverifiable information from my credit reports, in compliance with FCRA guidelines. 
3. An explanation of the steps the credit bureaus are required to take when conducting a dispute investigation, as well as how they ensure compliance with these steps. 

Attached are copies of my previous dispute letters, responses from the bureaus, and any supporting documentation relevant to my claim. 

Thank you for your time and attention to this matter. I trust that the CFPB will take the necessary steps to ensure that my rights under the FCRA are upheld and that the credit bureaus are held accountable for their obligations. 


Sincerely, XXXX XXXX

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 formal complaint against Cash App ( Block , Inc. ) due to their inadequate customer service and unfair business practices, which I believe breach the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take prompt and effective actions to prevent or resolve fraud on their platform, leaving my account exposed and unprotected.

Furthermore, their process for resolving disputes was misleading and unjust, failing to comply with the error resolution requirements set forth by the Electronic Fund Transfer Act ( EFTA ) and Regulation E. As a result, I have experienced significant inconvenience and financial harm, and I am requesting proper compensation for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
This issue is with Care Credit Card, issued by Synchrony Bank. Sometime in XXXX, I paid the balance of my account in full, {$1400.00}. The account was interest free as long as I paid within 6 months. The account was paid in full after about 3 months ( I say about, because I don't have a statement. Sychrony bank does not provide statements on the website, and I never received paper statements ). When I paid off the account, I also closed it. Synchrony bank sent me a email saying I owed them {$32.00}, saying I paid late. I called, and the late fee was removed. Synchrony bank also charged {$2.00} for interest on the late charge. Synchrony bank would not remove the interest charged on the late fee, and reported me to the credit agencies who have lowered my credit rating from XXXX to XXXX. The interest continues to accrue at the rate of $ XXXX month. The account was paid in full ahead of the grace period. Synchrony bank has used this 'late fee ' gimmich as a revenue enhancement method.

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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 


Account : XXXX XXXX XX/XX/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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
There was a service that was posted on XXXX and they had a Cash App account come to find out this individual was a scammer who created a profile that wasnt legit and I pay them to secure a hair appointment and pay the deposit through Cash app and these individuals completely ghosted me never responded. I reported it to Cash app and they completely dismissed it with a text message. I wasnt able to call anybody and report it, but I did let Cash App know that Their company is a safe haven for scammers and they said thank you for the information.

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: TN

Complaint narrative:
I am filing this complaint because Equifax has failed to conduct a reasonable investigation into my disputes, improperly reported an inaccurate charge-off, and refused to provide the required method of verification ( MOV ), in violation of the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/XXXX, I disputed the reporting of my XXXX credit card account because Equifax incorrectly reported it as a charge-off, even though the account was only closed. I requested a method of verification ( MOV ) via mail and included tracking information to confirm receipt. Instead of providing documentation, Equifax responded with a generic verified statement without explanation. 

Similarly, on XX/XX/XXXX, I disputed a Your Best Credit Union account that was falsely reported as 60 days late. Equifax responded with no details about its verification process, violating FCRA 611 ( a ) ( 7 ). 

After I escalated the dispute through CFPB Complaint # XXXX, Equifax again XXXX to provide specific documentation, only stating that the information was verified by the creditor. However, when I contacted XXXX directly, they removed some incorrect charge-off reporting, proving that Equifax did not conduct a proper investigation. 

As of XX/XX/XXXX, Equifax continued to report a charge-off status for XXXX and XX/XX/XXXX, despite the creditor correcting some errors. Equifax failed to : Provide a proper method of verification upon request ( FCRA 611 ( a ) ( 7 ) ).

Conduct a reasonable reinvestigation ( FCRA 611 ( a ) ( 1 ) ).

Correct or remove inaccurate charge-off reporting.

Provide notice of reinsertion of negative information ( FCRA 611 ( a ) ( 5 ) ( B ) ). 
Equifax is operating in the same manner as XXXX, which the CFPB recently sued on XX/XX/XXXX, for failing to properly investigate disputes and verify data accuracy. I believe Equifax is engaging in the same illegal practices, rubber-stamping disputes as verified without any real investigation. 

This inaccurate charge-off reporting has unfairly damaged my credit score, caused financial harm, and prevented me from obtaining fair credit terms. 

I request that Equifax immediately correct the charge-off status, provide a detailed MOV, and ensure that no further inaccurate information is reported. If Equifax fails to comply, I will pursue further legal action.

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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Sun XXXX XXXX XXXX XXXX Subject : Debt Verification Request Due to XXXX XXXX Breach To Whom It XXXX Concern '' I am writing to formally request verification of the debt referenced in your recent communication Account Number : XXXX As a victim of the breach, my personal information, including Social Security number, was compromised. I request that you provide the following information to verify this debt : XXXX. The original creditors name and contact information. 
XXXX. The specific amount of the debt and a breakdown of charges. 
XXXX. A detailed record of how this debt was incurred. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request verification of this debt, and I ask that you provide the necessary documentation before any further action is taken. 

If this debt is indeed a result of fraud, I will also be reporting the incident to the appropriate authorities and will seek resolution through fraud protection channels. 
Please respond to this request at your earliest convenience. You can contact me at email address- XXXX Sincerely, XXXX XXXX

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: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
My Cash app was taken, and they gave me no reason why the money I had on my Cash app was also taken

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:
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