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

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 proce 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 XXXX financial loss, 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: 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:
There are unauthorized and fraudulent information currently appearing on my TransUnion credit report. As a victim of identity theft and The XXXXData breach in which my personal information has been compromised, leading to several fraudulent accounts and inquiries including XXXX critical findings tied to my identity within the breach. I am requesting an immediate investigation of these items in accordance with the Fair Credit Repofting Act ( FCRA ). This breach resulted in the misuse of my information, including the creation of fraudulent accounts and inquiries on my credit report. I am attaching the necessary supporting documents, including my FTC Identity Theft Report and the notification letter for the breach. Also, I am also asserting my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( a ) - ( b ), 5564, and 5565, as well as my right to privacy under 15 U.S.C. 1681 ( a ) ( 1 ) - ( 4 ). I have reason to believe my credit file has been subject to improper investigations or reporting practices, leading to the inaccurate reporting of my information. Additionally, I am concerned that XXXX  handling of my credit file may violate my privacy rights as guaranteed under the FCRA, which mandates that consumer reporting agencies ensure the accuracy, completeness, and privacy of the information they report. I have reason to believe based on my disputes with TransUnion they did not use reasonable procedures to assure maximum possible accuracy of my information per USC 1681e ( b ). Also, please update my name, and remove all alias names. Driver 's license attached. Please update my address, utility bill is also attached.

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: 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: NY

Complaint narrative:
I am filing 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. 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 I have marked as inaccurate XXXX XXXX, XXXX XXXX it which I dont even know who that is!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 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: NJ

Complaint narrative:
I urge you to promptly remove this late payment from my account, as it does not accurately reflect my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Please update my account promptly.

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: 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:
I urge you to promptly remove this late payment from my account, as it does not accurately reflect my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Please update my account promptly.

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: TX

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 in their platforms, 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 Regulations 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 2025-01-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
While going through the process of purchasing my home in XX/XX/year>, the mortgage company reached out to review transactions on my account. They found a XXXX transfer that was not listed on within my banking app to a contact but listed within my XXXX transactions. The transfer took place on XX/XX/year> in the amount of {$600.00} and XX/XX/year> in the amount of {$50.00}. I was provided the number by the back and XXXX  it ; it belonged to a texting app or an unregistered device/ prepaid cellular account. The bank refused to refund the funds after I filed several fraud complaints/forms, although they acknowledged they could but trace the transaction within the system although it appeared XXXX my back statements and that it was taken from my account. Because the XXXX was through my bank account and not on the XXXX app, XXXX stated they could not refund the transaction. I filed a XXXX  complaint as well with no response from my bank, USAA.

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 2025-01-21 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 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 2025-01-20 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: NV

Complaint narrative:
On XX/XX/year>, I sent a certified letter to XXXX, Equifax, and XXXX concerning inaccurate information on my account with XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, for late payments, 15USC 1681i ( b ) and 15USC 1681i ( 5 ). XXXX refused to do an investigation on this matter, and did not respond with in the 30 days required by FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: NC

Complaint narrative:
I am submitting this complaint to address multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) committed by Southwest Credit Systems regarding an alleged debt associated with XXXX XXXX. 

Details of the Complaint : Failure to Provide Validation Notice : Southwest Credit Systems received this account on XX/XX/scrub> 2024, as confirmed during a recorded phone conversation on XX/XX/year>2024. However, the company failed to send me the legally required validation notice within five days of their initial contact, in violation of 15 U.S.C. 1692g. 

Erroneous Reporting of Debt : The alleged debt pertains to a XXXX XXXX account that I have not been associated with for over six years. Given the time elapsed, the debt likely falls beyond the statute of limitations for collection in North Carolina. Despite this, Southwest Credit Systems has either reported or is attempting to report this account to consumer reporting agencies. 

Unsubstantiated Collection Attempts : Despite failing to provide proper documentation substantiating the debt, Southwest Credit Systems continues to pursue collection efforts, which is a direct violation of 15 U.S.C. 1692e and 15 U.S.C. 1681s-2 of the FCRA. 

Recording Evidence : I have a recording of the phone conversation with Southwest Credit Systems on XX/XX/scrub> 2024, during which their representative admitted to receiving this account on XX/XX/scrub> 2024, but no written notice was ever sent to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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:
This is not a mistakeplease review this complaint thoroughly. My credit report contains mixed and inaccurate information, and I have repeatedly found accounts, transactions, and items that do not belong to me. This situation is deeply troubling and has caused me significant stress and XXXX, as these errors unfairly reflect on my financial record.

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 2025-01-21 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: NJ

Complaint narrative:
Dear Experian, I hope this message finds you well. I am reaching out to request specific information regarding one of the accounts listed on my credit report. At this time, I am not disputing the account but would like clarification on certain details to ensure the information is fully accurate. 

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 XXXXXXXX I am requesting that you provide the following details for this account : 1. The Date of First Delinquency 2. The Date of Last Payment 3. The Date of Charge-Off Having access to this information is essential for my personal record-keeping and financial planning. I appreciate your help in providing these details as soon as possible. 

Thank you for your time and assistance. 

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 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I hereby dispute the validity of this account in its entirety and demand the following.

1. Proof of Licensing : Provide documentation demonstrating that your company is licensed to collect debts in the state of FLORIDA.

2. Validation of Debt : Provide full validation of the alleged debt under 15 U.S Code 1692g of the FDCPA, including the original creditors name, itemized detail of debt, and evidence of my liability for the debt.

3. Cease and Desist : Until you provide the above documentation, you must cease all collection activity, including reporting debt to credit bureaus, under 15 U.S. Code 1692c.

Be advised that attempting to collect a debt without the proper license is a violation of STATE and FEDERAL LAWS, and I will not hesitate to file a complaint with the XXXX XXXX XXXX XXXXXXXX XXXX, the FEDERAL TRADE COMMISION { FTC } and the Consumer Financial Protection Bureau [ CFPB ] if this matter is not resolved promptly. I also reserve the right to pursue legal actions for damages caused by your unlawful collection practices. 

Please consider this a formal request for all communication regarding this matter in writing. Any further attempts to collect without appropriate licensing or validation will be reported as harassment. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX I expect a response within 14 days of receipt of this letter. 

Thanks for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

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 proce 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 2025-01-20 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: TN

Complaint narrative:
I looked at my XX/XX/year> report and noticed some things are incomplete and inaccurate. According to the Fair Credit Reporting Act when a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual to whom the report relates. These accounts are not complete and it's not accurate. 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 XXXXXXXX, ( date opened, monthly payment, balance, last reported, payment status ) I got the investigation back but noticed nothing was modified or updated according to 15 USC 1681i ( 5 ). 

So, I sent a letter on XX/XX/year>, requesting a description of the reinvestigation and they did not provide it to me which is a violation of 15 USA 1681i ( 7 ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I did not receive a description of the reinvestigation. 

Remove thiXXXX XXXX XXXX XXXX XXXXXXXX from my report. Remove this account XXXXXXXX XXXX XXXX XXXX XXXXXXXX from my report, Remove this account XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX from my report, Report this account 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 non-monetary relief
Consumer complaint received 2025-01-20 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: TX

Complaint narrative:
XXXX, XXXX, and Trans Union failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverified accounts unresolved. The Consumer Financial Protection Bureau ( CFOB ) has recently filed a lawsuit against XXXX, XXXX, and Trans Union, 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, XXXX, and Trans Union has neither corrected nor removed disputed accounts, as XXXX, XXXX, and Trans Union 's inaction violates federal law and my rights as a consumer. 
I sent certified mail to XXXX, XXXX, and Trans Union, my payment history showing full payoff with {$00.00} balance, the letter of payoff and title lien release from XXXX XXXX  on or about XX/XX/XXXX, and again on or about XX/XX/XXXX for the amount of {$27000.00} is showing on my credit report that XXXX, XXXX, and Trans Union, failed to correct and remove from my credit report. 
Also along with the above documents I sent payment history, account payoff, and closed account showing {$00.00} balance owed for XXXX XXXX Which XXXX, XXXX, and Trans Union, did not remove {$5200.00} showing owed on my credit report, shows I am late and failed to investigate, even with proof of full payment and payoff of my accounts to all three credit bureaus. 
Also along with the above documents I sent payment history, account payoff, and closed account showing {$00.00} balance owed for XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and Trans Union, did not remove {$1800.00} showing owed on my credit reports, shows I am late and XXXX, XXXX, and Trans Union failed to investigate, even with proof of full payment and payoff of my accounts. 
XXXX, XXXX, and Trans Union, has not sent me any responses back to any of my disputes nor correcting the disputes and recently pulling my credit report in XX/XX/XXXX it still shows the discrepancies on my credit 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 non-monetary relief
Consumer complaint received 2025-01-20 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:
XXXX, Equifax, and XXXX XXXX failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverified accounts unresolved. The Consumer Financial Protection Bureau ( CFOB ) has recently filed a lawsuit against XXXX, Equifax, and XXXX 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, Equifax, and XXXX XXXX has neither corrected nor removed disputed accounts, as XXXX, Equifax, and XXXX XXXX 's inaction violates federal law and my rights as a consumer. 
I sent certified mail to XXXX, Equifax, and XXXX XXXX, my payment history showing full payoff with {$00.00} balance, the letter of payoff and title lien release from XXXX XXXX  on or about XX/XX/XXXX, and again on or about XX/XX/XXXX for the amount of {$27000.00} is showing on my credit report that XXXX, Equifax, and XXXX XXXX, failed to correct and remove from my credit report. 
Also along with the above documents I sent payment history, account payoff, and closed account showing {$00.00} balance owed for XXXX XXXX Which XXXX, Equifax, and XXXX XXXX, did not remove {$5200.00} showing owed on my credit report, shows I am late and failed to investigate, even with proof of full payment and payoff of my accounts to all three credit bureaus. 
Also along with the above documents I sent payment history, account payoff, and closed account showing {$00.00} balance owed for XXXX XXXX XXXX  XXXX Which XXXX, Equifax, and XXXX XXXX, did not remove {$1800.00} showing owed on my credit reports, shows I am late and XXXX, Equifax, and XXXX XXXX failed to investigate, even with proof of full payment and payoff of my accounts. 
XXXX, Equifax, and XXXX XXXX, has not sent me any responses back to any of my disputes nor correcting the disputes and recently pulling my credit report in XX/XX/XXXX it still shows the discrepancies on my credit report.

Company response to consumer: Closed with non-monetary relief