vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NJ

Complaint narrative:
On XX/XX/year> my cash app account was charged with XXXX transactions XXXX from XXXX any amount of {$210.00} and XXXX for spirit any amount of {$350.00} a contact cash app XX/XX/XXXX to report the fraudulent activity They canceled the card and sent me a new one and put both of these transactions and dispute under review, the XXXX transaction was under the review. It was supposed to give me an update XX/XX/XXXX but the spirit transaction kept getting denied. I asked Cash app number of times why They would PDF me what would be a receipt of the transaction and said they can provide any other details at the moment, and if I had tried to reach out to the merchant, I tried reaching out to the merchant which is XXXX, and I was informed that they didnt have too much detail because the transaction was made third-party from XXXX. I didnt contact XXXX XXXX who did provide me With necessary information showing that the flights were book to XXXX XXXX with a hotel room or totaling the amount of {$570.00} they also provided me with the name of the person who book the trip and XXXX other travels I uploaded that information to Cash app. I still receive it denial as of today check in my emails cash app decided they wish to no longer help me with my situation and block my account even while the dispute or under review, and I can no longer inquire about my money being returned

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
The XXXXXXXX Chrysler Capital never gave consideration loan or Check and never have the power to extend credit XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have unauthorized inquiries on my account thats unverified. I have been reaching out to my credit bureau and they are little to no help about getting my issue situated. They also do not do proper investigation. I find that unfair according to the FCA section 611 ( 15 u.s.c 1681i ) unverified inquiries must be removed. I have also reported some of these inquiries and some how 2 is still poping up Please have them investigate the following inquiries and get them removed off my credit immediately I have not gave any of these companies verification to access my credit report for any reason XXXXXXXX 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 XXXXXX/XX/year>

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 2025-02-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have unauthorized inquiries on my account thats unverified. I have been reaching out to my credit bureau and they are little to no help about getting my issue situated. They also do not do proper investigation. I find that unfair according to the FCA section 611 ( 15 u.s.c 1681i ) unverified inquiries must be removed. I have also reported some of these inquiries and some how 2 is still poping up Please have them investigate the following inquiries and get them removed off my credit immediately I have not gave any of these companies verification to access my credit report for any reason XXXXXXXX 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 XXXXXX/XX/year>

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 2025-02-14 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 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 2025-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: MI

Complaint narrative:
Subject : Formal Dispute of Inaccurate Information Under FCRA & USC Codes To Whom It May Concern, Hello my name is XXXX XXXX and XXXX writing to let the CFPB know of the violations that EWS are in by reporting the wrong address to banking institutions therefore denying me membership to those banks. 
I am writing to formally dispute the accuracy of information reported by Early Warning Services ( EWS ) in relation to my personal banking history, which appears to be associated with my ONLY address at XXXX XXXX XXXX XXXX, XXXX, Michigan XXXX. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), you are required to ensure that all information reported is accurate, verifiable, and complete.

Pursuant to 15 U.S.C. 1681i, I am requesting an immediate investigation into any records tied to my name and address that may be inaccurate, outdated, or unverified. If Early Warning Services can not substantiate the legitimacy of these records with proper documentation, they must be corrected or permanently deleted from my file.

Additionally, under 15 U.S.C. 1681s-2 ( b ), furnishers of information are required to conduct a reasonable investigation when a consumer disputes the accuracy of an account. If any entity has reported false or misleading data to your system, I expect them to be held accountable under this statute. 
I also remind you of my rights under XXXX XXXX. XXXX, which prohibits false or misleading representations in consumer reporting. If any erroneous or unverifiable data is impacting my ability to maintain financial stability, it must be removed promptly. 
I am requesting : XXXX. A detailed report of all information associated with my address. 
XXXX. The removal or correction of any unverifiable or inaccurate records. 
XXXX. A written confirmation of your findings within the legally required timeframe, as specified under XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ). 
Enclosed are copies of my identification and supporting documents for verification. Please provide a response in writing to confirm the results of your investigation. Failure to comply with federal laws regarding the accuracy and integrity of consumer reports XXXX result in further legal action. 
I appreciate your prompt attention to this matter and expect resolution within the timeframe required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-02-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Foris DAX, Inc.
State: WI

Complaint narrative:
Crypto.com DOES NOT tell the truth about transfers. I have purchased crypto several times and then requested a withdrawal. The funds then are deducted from my account but are not sent. When asked, customer service says it is in a " pending '' status. This is not true and can be proved false by a simple blockchain scan. They are unable to provide a transaction ID or hash for any withdrawals. This problem can last for hours with no recourse. Due to the volatile nature of cryptocurrency, this often leads to price fluctuations and losses. However, when the price is rising, the funds are always sent instantly ; this leads one to the conclusion that this is a deliberate scheme to leverage the market value when you request a withdrawal versus when it is sent by Crypto.com. 

The most recent example was on XXXX. Crypto was purchased at roughly XXXX and then withdrawn at XXXX. Except the money was never withdrawn, and I was told to wait " 2-3 hours. '' As of XXXX I am still waiting. Their support app offers no connection to a live person, only a chatbot. Furthermore, the app does not let you take screenshots of customer service chats, which is a huge red flag. 

If this were a XXXX payment or ACH transfer, and a bank simply didn't send it, lied, and told somebody to wait " XXXX hours '' with XXXX proof, you'd call it a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-02-14 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: CA

Complaint narrative:
I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 


Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed. 
3.Immediately block or remove all inaccurate information resulting from the identity theft. 

XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: AZ

Complaint narrative:
I have requested you update my XXXX XXXX XXXX  XXXX  ( XXXX ) there is a lot of missing payments and incorrect information. I have in the past requested you update the following : XX/XX/XXXX, and also XX/XX/XXXX needs to be updated as current ; I was not late for this payment. Missing payments XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX Current balance is {$450.00} you are reporting {$1100.00} incorrectly.

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 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Under 26 U.S.C. 6050P, creditors are mandated to issue a 1099-C form to the borrower when a debt of {$600.00} or more is canceled, forgiven, or discharged.

The failure to issue a 1099-C indicates that the debt has been canceled, and XXXX is no longer entitled to attempt to collect on a canceled debt. 

XXXX or its agents are misrepresenting the status of the debt by claiming that I owe money on a canceled debt and violating the Fair Debt Collection Practices Act ( FDCPA ). 
XXXX charged off the debt but did not formally cancel or forgive it. They are still attempting to collect on the debt, but the lack of a 1099-C suggests that the debt has been canceled. 

The repossessed vehicle was sold, and the proceeds were applied to the loan balance, leaving me with a remaining balance or deficiency balance to pay. However, XXXX failed to issue a 1099-C, implying that they may have canceled the debt. Additionally, they did not adhere to proper repossession procedures, which invalidates the debt. I have the right to challenge the deficiency balance. 

XXXX violated the FCRA ( 15 U.S.C. 1681 ), which in turn reported the debt inaccurately to my credit report, negatively impacting my credit score and financial reputation. This has resulted in increased financial burden and distress. XXXX can not verify the debt ; it must be deleted under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

Following the repossession, I was not notified by XXXX of the time and location of the vehicle sale or auction, preventing me from reclaiming my vehicle. 
I am deeply distressed because I lost my camera that contained my daughters first year of life photographs and videos. 

Legal Basis for Dispute : 15 U.S.C. 1681b : Permissible purpose for accessing and furnishing credit information.

15 U.S.C. 1681c-2 : Blocking of information resulting from identity theft.

15 U.S.C. 1681i ( a ) ( 1 ) : Requirement to conduct a reasonable reinvestigation of disputed items.

15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Requirement to provide prompt notification of reinvestigation results.

15 U.S.C. 1681i ( a ) ( 5 ) ( B ) : Requirement to delete or modify unverifiable or inaccurate information.

15 U.S.C. 1681s-2 : Obligations of furnishers of information to provide accurate data.

15 U.S.C. 1681n & 1681o : Civil liability for willful or negligent noncompliance with the FCRA.

15 U.S.C. 1681e ( b ) : Duty to maintain maximum accuracy in credit reports.

15 U.S.C. 1681i ( a ) ( 5 ) : Requirement to correct or delete inaccurate, incomplete, or unverifiable information.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Requirement to conduct a thorough and reasonable reinvestigation.

15 U.S.C. 1681s-2 ( a ) : Prohibition on furnishing inaccurate information.

26 U.S.C. 6050P : Requirement to issue a 1099-C for canceled debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 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: CA

Complaint narrative:
I am writing to formally dispute inaccuracies on my credit report related to identity theft and I'd like to emphasize that I am the one submitting this complaint and there is no third party involved.. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ) .Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft.

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXX XXXXXXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
These inquires were unauthorized and I am a victim of identity theft. 
Transunion : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX, XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX, XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX XX/XX/XXXX XXXX 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