vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-31 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: NY

Complaint narrative:
The following account doesnt belong to me 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 2025-01-31 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: CIG FINANCIAL LLC
State: GA

Complaint narrative:
I went into AutoNation XXXX XXXX on XXXXXXXX XXXX to purchase a XXXX XXXX XXXX I originally had a letter already from XXXX XXXXXXXX for pre-approved amount, so it was no need for them to run my credit. Then the salesman came out and asked me to sign some paperwork and unlock my credit file to finish the deal. Then I started getting alerts that my credit was being processed and I called him and I was furious, I asked for the manager and I told him I didnt tell yall to run my credit. I explained that someone should have came and had a conversation with me and he apologized and thats when the manager XXXX XXXX said he would make sure it was removed.The whole time they just wanted me to finance with them, and the rest was to make it look good. I called for weeks and no resolution, so I started calling the companies and of course they said it was nothing they could do.They ran it through eight companies thats a big hit on my credit, and then they promised me a warranty on my car and I called and emailed for a month and they never followed through. Im paying an outside company for a warranty on my car because they didnt follow through on anything and I have the email and text messages for that as well. I truly regret doing business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: SC

Complaint narrative:
The following accounts are reporting as late or having late payments on my credit report, 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 XXXX XXXX office of the Attorney General. Acct XXXX XXXXXXXXXXXX. This is a clear violation of 15 U.S.C 1681 b2, permissible purpose of consumer report.

LII U.S. Code Title 15 CHAPTER 41 SUBCHAPTER III 1681b 15 U.S. Code 1681b - Permissible purposes of consumer reports U.S. Code ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.. I never gave anyone written instructions as to how or if I want this furnished on my credit report. Furthermore, the fair credit reporting act 15 U.S.C. 1681, 2a1 under the exclusion section, the term credit report does not include on a report information solely about transactions or experiences between the consumer and the one extending the line of credit. Therefore a late payment does not exist. A late payment is a transaction or an experience, and the law clearly states that it share night be on a consumer report. I have brought this issue up several times to experian, and they only pass on my dispute to the one that is furnishing the false information and not doing a investigation themselves to see if the late payment is lawful under the fair credit reporting act. They have just been sued about this type of behavior I feel that I am a victim of the system, and I need something done about this

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 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

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 50 financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: IL

Complaint narrative:
Please ensure these unauthorized accounts are blocked and removed from my credit report as soon as possible. I did not authorize these accounts, and their origin is unknown to me. Per USC 1681g, I am requesting their removal within 15 days. Attached are the necessary documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
FINAL NOTICE This Letter Serves as my formal demand for the immediate DELETION of Inaccurate and Unverified information REPORTED on my credit consumer reports. Despite the REPEATED DISPUTES, you have Fail to Perform a Proper Validation Of this account as REQUIRED by the FCRA your continued Failure constitutes Willful Non Compliance, FRAUDULENT Misrepresentation and a violation of my rights under Federal law.

Reporting Inaccurate Information 623 ( a ) ( l ) Failure to Delete Inaccuracies 611 ( a ) ( 5 ) Willful Non Compliance 616 Fraudulent Misrepresentation 623 ( a ) ( l ) ( B ) Failure to Provide VERIFICATION 609 ( a ) ( l ) See Attached document Of Non Compliance to do business In the State of Georgia

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: AMERICAN EXPRESS COMPANY
State: ME

Complaint narrative:
I have multiple accounts that are reported late and I know that it is illegal to report late payments on accounts especially closed ones. I have sent letters disputing these payments on XX/XX/XXXX and XX/XX/XXXX. They are still reporting late.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: JPMORGAN CHASE & CO.
State: ME

Complaint narrative:
I have multiple accounts that are reported late and I know that it is illegal to report late payments on accounts especially closed ones. I have sent letters disputing these payments on XX/XX/XXXX and XX/XX/XXXX. They are still reporting late.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: DISCOVER BANK
State: ME

Complaint narrative:
I have multiple accounts that are reported late and I know that it is illegal to report late payments on accounts especially closed ones. I have sent letters disputing these payments on XX/XX/XXXX and XX/XX/XXXX. They are still reporting late.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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:
These entries are inaccurate and do not reflect my actual payment history. Despite my repeated attempts to have these discrepancies investigated and resolved, no meaningful action has been taken. I have provided all necessary documentation to support my case and have followed up several times, yet these errors remain. This lack of resolution has not only caused financial strain but has also significantly affected my mental and emotional well-being. The stress of dealing with these incorrect entries is overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial behavior, including the right to have outdated or inaccurate information promptly corrected. I urge you to take immediate action to update or correct these late payment entries, as failure to do so is a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
In XX/XX/year> I received an alert from XXXX XXXX saying that I had a delinquent account on my XXXX XXXX through XXXX XXXX. When checking my credit score, Trans Union had dropped my score XXXX points. I contacted XXXX XXXX and they told me that there was no late payment showing on my credit report and that the reporting was not accurate.I submitted a request from Trans Union and my credit score was only adjusted XXXX points. It is not acceptable to drop me XXXX points on false reporting and then only give me 1/3 of the credit score back.

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 2025-01-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

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 NUMBER : XXXX ) to 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.

To following information on my credit report is the result of identity theft and should be blocked : Inquiries XXXX XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-01-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: Block, Inc.
State: NY

Complaint narrative:
I am filing a complaint against capital one regarding the deceptive practices related to their XXXX high yield interest savings accounts. XXXX XXXXXXXX misrepresented the nations highest interest rates yet failed to notify accountholders about the superior rates offered by the XXXX performance savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many breaching the consumer financial protection act and the truth in savings act. I seek redress for the misleading practices and failure to fulfill their advertised promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: WA

Complaint narrative:
All credit reporting agencies have merged me and twins accounts together. Im am unable to log into XXXX to dispute information because of this. I have also disputed with TransUnion in XXXX of last year but they are still reviewing it. My twin who shares a name very close to mine, has also disputed from his end & has not had any success. 

Please help. Im looking to change my social security number because I feel like this will just happen again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: OH

Complaint narrative:
In 2019 during XXXX I had a problem using my cash app card so i googled the customer service number to call and get help and see what was wrong with my account, and the number google gave me was a scammer who really sounded and acted like a cash app representative and told me he could fix my problem and told me to download a app and made me give him a code so he could look it up. not knowing he gained access to my account and transferred all my money out of my account total amount of {$4400.00} and hung up. i took a screenshot during the call because i had a gut feeling something was off. right after i emailed cash app and told them everything that happened and they told me there was no cash app customer service number everything was via email and they could not do anything for me. They were not reliable. they took everything i had and i did not know how to go about it to get it back .I now do not have access to that cash app acount because i never used it again.I just read about cash apps CFPB lawsuit today and want to know if i can still have an investigation conducted. if you can look it up somehow since the account was under my government name and social security number.So i can finally get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, Experian, and Transunion data breach, which raises concerns about the security of my personal data.

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 2025-01-31 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: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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 HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: IL

Complaint narrative:
My XXXX XXXX savings account was charged by cashapp however my XXXX XXXX savings account was not linked to cashapp. I reached out to cashapp as well as XXXX XXXX. Cashapp said it wasnt there issue even after I explained to them that my XXXX XXXX account wasnt linked. I reached out to XXXX XXXX and they stated I authorized the transaction when that wasnt true. I have the text message asking me if I was available to verify now? Yes or no. Me replying yes they took it as I authorized the transaction. When I explained to them that I did not read their question as XXXX XXXX asking if I authorized the charge they were reluctant to fix my credit my account and would not return my funds although my funds are protected by the bank from fraudulent activity. 
I have the text message communication between XXXX XXXX and I.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: NJ

Complaint narrative:
I, XXXX XXXX XXXX XXXX, Knows that these negative accounts & negative inquiries does not meet the FCRA reporting requirements, I do not recognize how and why these are reporting.. Please remove & delete these immediately!! I also sent out disputes to the bureaus as well cause this is just ridiculous & I was very much frustrated & confused on behalf of why I wasnt getting approved for loans and etc! I wish to have this disputed off the records of my name immediately as soon as possible as I have no knowledge of these accounts nor inquiries. Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: NJ

Complaint narrative:
I, XXXX XXXX XXXX XXXX, Knows that these negative accounts & negative inquiries does not meet the FCRA reporting requirements, I do not recognize how and why these are reporting.. Please remove & delete these immediately!! I also sent out disputes to the bureaus as well cause this is just ridiculous & I was very much frustrated & confused on behalf of why I wasnt getting approved for loans and etc! I wish to have this disputed off the records of my name immediately as soon as possible as I have no knowledge of these accounts nor inquiries. Thanks.

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 2025-01-31 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: OH

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, Experian, and Transunion data breach, which raises concerns about the security of my personal data.

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