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: MO

Complaint narrative:
My account was hacked and closed for no reason I tried contacting cash app about this but I was left on delivered

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: Greenlight Financial Technology, Inc
State: TX

Complaint narrative:
Today, XX/XX/year> amount {$10.00} was sent my from XXXX to greenlight company. 

I was trying to start an account with Greenlight so my son could learn financial responsibility. During their sign-up process, they request {$10.00} which I did send via my XXXX. As I went along through their application process, I saw that I had to select a monthly plan for their services, which was not disclosed prior to me sending them {$10.00}. I think that this is misleading, many Americans and Im sure they were pocketing the money That people send prematurely like myself. I reached out to the company who said I have to finish opening an account pay that fee and then they would return whats left of my {$10.00} which ended up being less than {$10.00}. This may not seem like a lot to some people but if theyre doing this to millions of Americans, theres a problem.

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: NC

Complaint narrative:
I an 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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX CARD XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charged off- XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charged off- XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Late/Open Accounts : XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$210.00} XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$63.00}

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX 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 Account Name : XXXX BANK # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXXXXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX  XX/XX/year>

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 status incorrect
Company: CashRepublic Holdings, Inc.
State: MO

Complaint narrative:
The company XXXX XXXX  is reporting my account is charged off and has been doing so since last year XXXX and all the way through XXXX and they are continuously doing it. I never received a 1099C from last year or previous year XXXX but its still being reported monthly as a charge off with the balance increasing every month. I have disputed it multiple times with XXXX, but it is continuously sent back as invalid, even though it is being reported incorrectly.

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 — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Subject : Dispute of Inaccurate Bankruptcy Reporting To Whom It XXXX Concern, I am writing to formally dispute a bankruptcy account inaccurately reporting on my credit reports with XXXX, XXXX, and TransUnion. I have never filed for bankruptcy in my life, and this information is both inaccurate and damaging to my credit. 
On [ insert date ], I visited the United States Bankruptcy XXXX in XXXX XXXX, California, where I spoke with a clerk who verified that there is no record of a bankruptcy filing under my name. The clerk confirmed that the reporting of such information on my credit report is in error. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, you are required to ensure that all information reported is accurate and verifiable. This inaccurate bankruptcy reporting violates my rights and misrepresents my credit history. 

I am requesting an immediate investigation into this matter and the permanent deletion of the erroneous bankruptcy entry from my credit reports with all three bureaus. Please provide written confirmation of the results of your investigation within the legally mandated time frame. 

Attached to this letter are supporting documents, including a written statement detailing the findings from the bankruptcy court clerk. Should you require additional information, please contact me directly at the information provided above. 

Thank you for your prompt attention to this serious matter. 

Sincerely, 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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to bring to your attention a concerning issue regarding the reporting of a collection account on my credit file. According to consumer protection laws, specifically 15 USC 1692c, 15 USC 1692 ( g ), and 15 USC 1681i ( 5 ), I have the right to accurate and fair credit reporting, free from any misleading or incorrect information.

It has come to my notice that a collection account has been inaccurately reported on my credit file, which violates my rights as a consumer under the aforementioned consumer laws. This misinformation not only impacts my credit score but also undermines my financial credibility and reputation.

Furthermore, it is disappointing to learn that Equifax is facing a lawsuit from the Consumer Financial Protection Bureau ( CFPB ) for failing to report accurate information. This legal action highlights the importance of adhering to the law and ensuring the integrity of credit reporting processes.

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: NY

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXXXXXX 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 non-monetary relief
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting a complaint regarding the ongoing inaccurate reporting of information on my credit file by XXXX XXXX XXXX and XXXX XXXX XXXX. Despite my multiple disputes and submission of all necessary supporting documentation to the credit bureaus, they continue to report incorrect information in violation of federal law. XXXX XXXX XXXX is improperly reporting late payments, violating 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), which prohibits the inclusion of transactions and experiences between a consumer and a servicer in a credit report. Furthermore, XXXX XXXX has now classified the account as a charge-off, which violates 15 U.S.C. 1681c ( a ) ( 4 ), prohibiting the reporting of adverse information beyond the legally permitted period, and this needs to be removed from my account immediately. XXXX XXXX XXXX is inaccurately reporting a paid and closed account, violating 15 U.S.C. 1681c ( a ), 15 U.S.C. 1681e ( b ), and 15 U.S.C. 1681i ( a ), which govern the reporting of outdated accounts, accuracy requirements, and obligations to investigate disputes. Additionally, I have no knowledge of the XXXX account, making its presence a violation of 15 U.S.C. 1681b regarding permissible use of consumer information. XXXX has also reported a student loan as late, despite it being in forbearance under the Biden Administrations federal student loan relief program, violating 15 U.S.C. 1681e ( b ). I have also provided proof of my exposure to a data breach, yet the credit bureaus have failed to address these issues appropriately. The credit bureaus ' failure to correct these errors continues to cause harm to my creditworthiness, and I request immediate corrective action to ensure compliance with federal regulations.

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: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Debt Verification Request Due to XXXX Data Breach To Whom It May Concern, I am writing to formally request verification of the debt referenced in your recent communication ( Account Number : XXXX ). As a victim of the XXXX data breach, my personal information, including my Social Security number, was compromised. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request verification of this debt. Therefore, I kindly request that you provide the following information to verify the debt in question : The original creditors name and contact information. 
The specific amount of the debt, including a breakdown of charges. 
A detailed record of how this debt was incurred. 
If this debt is the result of fraudulent activity, I will be reporting the incident to the appropriate authorities and will pursue resolution through fraud protection channels. 

Please respond to this request at your earliest convenience. You can contact me at my email address : XXXX. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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: EQUIFAX, INC.
State: DE

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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: DE

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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: 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: NJ

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally request consideration for a payment check as part of any restitution or relief provided following the CFPBs recent lawsuit against Experian for their violations of the Fair Credit Reporting Act ( FCRA ). My experience as a consumer demonstrates the harm caused by Experians failure to meet their obligations under the law, and this harm has had devastating effects on my life and that of my children.

Specifically, Experian has violated provisions of 15 U.S.C. 1681i of the FCRA, which requires consumer reporting agencies to : Conduct a reasonable reinvestigation when a consumer disputes the accuracy or completeness of information in their credit file.

Communicate disputed information to furnishers and update their records with accurate information.

Despite my numerous disputes regarding false and inaccurate information on my credit report, Experian failed to reasonably reinvestigate the matter or ensure the accuracy and completeness of the information furnished. As a result, false negative marks remain on my credit report, causing me severe financial hardship.

Here is the direct impact Experians violations have had on my life : I am unable to qualify for a mortgage to purchase a new home for myself and my children, despite being in a position to do so financially if my credit report were accurate.

My current lease is about to end, and I am now at risk of homelessness due to Experians continued reporting of inaccurate information.

The financial hardship caused by Experians actions has significantly strained my ability to provide for my children and maintain stability during this critical time.

These consequences are a direct result of Experians failure to comply with their legal obligations under the FCRA. While I am pleased to see the CFPB taking action against Experian, I believe that consumers like me, who have been severely impacted by their violations, should be entitled to restitution.

I respectfully request that my situation be considered in the CFPBs efforts to provide relief to consumers harmed by Experians unlawful practices. The financial and emotional toll this situation has caused for me and my family is immeasurable, and restitution would provide much-needed assistance as we attempt to recover from the damage Experians actions have caused.

Thank you for your attention to this matter, and I look forward to hearing from you regarding next steps. 

Sincerely, 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: AZ

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 Fraud 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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

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: LA

Complaint narrative:
I am filing a complaint against cashapp ( Block inc ) due to inadequate customer service and unfair practices, which violate the Consumer financial Protection act. ( CFPA ) specifically Cashapp 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 electronic fund transfer act. ( EFTA ) and regulation E. These actions caused significant inconveniences 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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

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: CBC Companies, Inc.
State: TN

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief