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

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 redness for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Spring Oaks Capital, LLC
State: NY

Complaint narrative:
Spring Oaks Capital has been calling me frequently since XXXX 2024, asking me to make a payment for a debt. However, I do not have any accounts with this company. I have repeatedly requested that they provide evidence of the alleged account, but they have been reluctant or unwilling to do so. 
The calls started in XX/XX/year>2024 and have continued regularly since then. They state the debt is around 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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
Transunion is reporting information that is inaccurate and causing me irreparable harm to my financial profile and relationships with lenders and future investments. I have supplied documentation of my request to Transunion for the information to be corrected and removed to no prevail. I have the right to accurate reporting on my consumer report and Transunion is unlawfully ignoring that right by reporting inaccurate information willing.

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

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 TransUnion credit reporting agency , 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 XXXX XX/XX/XXXXon XX/XX/XXXX under the account number XXXX with a balance of {$4600.00}, credit account opened atXX/XX/XXXX XX/XX/XXXX under the account number XXXX with a balance of {$580.00}, a credit account opened at XX/XX/XXXXon XX/XX/XXXX under the account number XXXX with a balance of {$3200.00}, and aXX/XX/XXXXopened at XX/XX/XXXXon XX/XX/XXXX under account number XXXX with a balance of {$7000.00}, credit account opened at XXXX on XX/XX/XXXX under account number XXXX with a balance of {$2500.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, or hard inquries 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. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud.

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: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Dear TransUnion, I am writing to formally dispute inaccurate personal information listed on my credit reports. Despite numerous attempts over the years to have this incorrect data removed, all three credit bureaus continue to report wrong names, incorrect addresses, and inaccurate employment information on my credit profile. 
Under the Fair Credit Reporting Act ( FCRA ), Section 609 ( 15 U.S.C. 1681g ), I have the right to receive complete and accurate information on my credit report. Additionally, FCRA Section 611 ( 15 U.S.C. 1681i ) mandates that credit reporting agencies investigate disputes thoroughly and correct or delete any information found to be inaccurate or unverifiable. The persistence of this erroneous data, despite my previous disputes, demonstrates a failure to meet these obligations.

The reporting of inaccurate personal identifiers increases my risk of identity theft and fraud, especially in a world where millions of people have similar names. The FCRA requires that credit reporting agencies ensure the maximum possible accuracy of the information they report under Section 607 ( 15 U.S.C. 1681e ( b ) ). Your failure to maintain accurate records has caused unnecessary harm and confusion.

I am requesting the immediate removal of all incorrect names, addresses, and employment information from my credit reports. Additionally, I am requesting written confirmation once these corrections have been made. Failure to address these inaccuracies properly may result in legal action under Section 616 ( 15 U.S.C. 1681n ) and Section 617 ( 15 U.S.C. 1681o ) for willful and negligent noncompliance, respectively. 
Please consider this letter my formal dispute and act promptly to correct my personal information.

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: Improper use of your report — Reporting company used your report improperly
Company: DataMax Corporation
State: NC

Complaint narrative:
I am filing a complaint against XXXX and XXXX XXXX and also DATAMAX CORP for their failure to comply with federal laws regarding debt validation and credit reporting accuracy. 


XX/XX/XXXX and also DATAMAX CORP has not provided proper debt validation as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I requested validation, including : 1. Evidence that they have the legal right to collect the debt.

2. A written contract or agreement signed by me that demonstrates my obligation to pay.

3. A full accounting of the alleged debt, including the original creditors name and a breakdown of the amount.

Despite my request, they have failed to provide any of these documents. 


XXXX is reporting this account as verified, yet they have not provided any evidence of a proper investigation as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. I requested that they perform a thorough reinvestigation and provide documentation to support their findings. However, no such documentation has been provided, and the debt remains on my credit report without proper substantiation. 

Applicable Legal Precedents : The U.S. Supreme Court case XXXX XXXX XXXX, 514 U.S. 291 ( 1995 ), establishes that debt collectors must comply with the FDCPA. 

In XXXX XXXX XXXX XXXX, 594 U.S. _ ( 2021 ), the Court reaffirmed the importance of accuracy in credit reporting and consumer rights to dispute inaccurate information.

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: NC

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The 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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 — Personal information incorrect
Company: CAINE & WEINER COMPANY, INC.
State: VA

Complaint narrative:
my info was breached i have to many hard inquiries and other stuff popped up on my credit that was not allowed by me and they wont send me anything no signature or id or any information proving anything please need help

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 — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint against TransUnion for failing to comply with federal laws under the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards. I have identified inaccurate, incomplete, and unverifiable late payment entries on my credit report.

These late payments are being reported inaccurately, and TransUnion has failed to block and delete this information despite my dispute. The data being reported includes : Inconsistent and inaccurate payment history.

Redundant late payment entries.

Procedural errors, such as improper Metro 2 coding and possible re-aging of accounts.

Under FCRA 611 ( a ) and 605B ( c ), TransUnion has a legal obligation to ensure the accuracy and completeness of the information it reports. It also has a duty to block and delete unverifiable or improperly reported data. 

Additionally, TransUnions mishandling of disputes is contributing to harm against my creditworthiness. These late payments are inaccurate and unverifiable, yet they remain on my report without justification.

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

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

Complaint narrative:
Im filing a complaint against Cash App due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act. Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account 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 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
I learned about the data breach so I reached out to cash app and also checked my records I've been using cash app for 3 years and have had several discrepancies like missing money that I hadn't used. I'm also perplexed about my data being 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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
As of 2018 Experian report false information on my report

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: NC

Complaint narrative:
Inaccurate in my credit report I put in a dispute with XXXX and a without any evidence of an investigation they left it on my credit report with no correct to my credit report. The dispute was for 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 2025-01-20 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
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 res ution reiuirements 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: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
XX/XX/year> I sent money to somebody by a mistake call XXXX and my bank to try to cancel it they told me I have to wait because it got be reviewed then and up getting my claim denied try re open but never receive no info back

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 — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

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 — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

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: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have asked for an account statement to be sent to me multiple times now. One time I was told no Flat out. The last time I asked for it to be emailed and sent by mail and it has been five days with nothing. Also my previous complaint was not addressed at all. I asked that a new claim number be assigned to a claim that included the correct transactions. I am disputing the recent denial based on seven different facts that will be included on the affidavit I am going to send in the mail this week. Several mistakes made by the BofA prepaid card holder services are clear efta violations and the investigation was conducted using the wrong transactions as a basis for spending patterns. I need the account statement before I can proceed. The bank is preventing me from being able to protect my interest by refusing to give me information I am legally entitled to.

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