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

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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: TN

Complaint narrative:
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 ( 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 — Personal information incorrect
Company: Westlake Services, LLC
State: CA

Complaint narrative:
My name Was misspelled on the loan paperwork under my own identity. I did not approve the loan. Nor did I sign any document. Loan was funded under fraudulent name. When it came to my attention of the existence of this loan I tried to get them to remove my identity and clear my credit report. I believe they have found their Mistake but have not cleared my credit report nor identity theft. Companies involved " XXXX XXXX XXXX '' XXXX and Westlake financial

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: FL

Complaint narrative:
Experian has 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 unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, 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 Experian has neither corrected nor removed disputed items despite the evidence provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MO

Complaint narrative:
I am filing a complaint against Cash App ( Block Inc ) due to no available customer service and unfair practices, which violate the Consumer Financial protection Act ( CFPA ). Cash App failed to take time to prevent fraud for their customers, leaving my account unprotected and vulnerable. This was unfair to me and anyone else who uses Cash App, they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused many problems, 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IN

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 I have lost accounts with more than XXXX due to no one responding. 

I have since made a new account and still have had issues with multiple thousands of disputes not being addressed

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: Rent Recovery Solutions
State: GA

Complaint narrative:
I am seeing a comany on my credit report Rent Recovery for $ XXXXThis debt does not belong to me and it is affecting my credit score and ability to sign a lease. I would like to have this information deleted from all credit bureaus immediately. Thanks!

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am addressing the issue of inaccurate information on my credit report with TransUnion. Specifically, my letter highlights a wrong address, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, '' listed under my personal information. This letter serves as an official dispute and formal demand for investigation and correction under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Under this law, TransUnion is legally required to investigate disputes and correct any inaccurate or incomplete information on my credit report within 30 days of receiving my notice. The letter emphasizes key legal precedents, such as XXXX XXXX XXXXXXXX XXXX which confirms the necessity of a reasonable investigation, and XXXX XXXX Trans Union Corp., which asserts that credit bureaus must go beyond automated checks to ensure accuracy. 

Additionally, I have reminded TransUnion that failing to meet these obligations could result in liability under 15 U.S.C. 1681n ( for willful non-compliance ) and 15 U.S.C. 1681o ( for negligent non-compliance ). I have requested a detailed description of the investigative procedures they use and an updated copy of my corrected credit report, as required under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). 

If TransUnion does not resolve the matter promptly and within the legally mandated timeframe, I have reserved the right to escalate the issue to agencies like the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) or pursue legal remedies to enforce my rights.

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: GA

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. 2025-CFPB-0002 ) 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 that I've marked as inaccurate or fraudulent : XXXX. XXXX XXXX

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: CA

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 identify you and your account.

( 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am writing to formally dispute the information regarding the account XXXX XXXX  XXXX on my credit report, which I believe is inaccurate. This account is currently listed as charged off, but the reporting contains discrepancies that require immediate attention and correction. 

The original issue arose when I purchased a TV that stopped working, and upon receiving a replacement, it was stolen in transit. I filed a police report and reported the incident to the company, but no resolution was provided. 

Despite these circumstances, the account has been reported as a charge-off with continuous inaccuracies in its reporting details. I request that you : Conduct a thorough reinvestigation of the information related to this account in accordance with the Fair Credit Reporting Act ( FCRA ) under 15 U.S. Code 1681i.

Provide me with the procedure used to verify this account as per my rights under the FCRA, including the names and contact information of those you contacted for verification.

Remove or correct the inaccurate information if the investigation can not substantiate the current reporting.

This ongoing inaccurate reporting has significantly impacted my credit score and financial opportunities. I expect your prompt response and resolution of this matter, including an updated credit report reflecting the corrections. 

Thank you for your immediate attention to 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 2025-01-20 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: AZ

Complaint narrative:
I am writing to formally dispute the information regarding the account XXXX XXXX XXXXXXXX on my credit report, which I believe is inaccurate. This account is currently listed as charged off, but the reporting contains discrepancies that require immediate attention and correction. 

The original issue arose when I purchased a TV that stopped working, and upon receiving a replacement, it was stolen in transit. I filed a police report and reported the incident to the company, but no resolution was provided. 

Despite these circumstances, the account has been reported as a charge-off with continuous inaccuracies in its reporting details. I request that you : Conduct a thorough reinvestigation of the information related to this account in accordance with the Fair Credit Reporting Act ( FCRA ) under 15 U.S. Code 1681i.

Provide me with the procedure used to verify this account as per my rights under the FCRA, including the names and contact information of those you contacted for verification.

Remove or correct the inaccurate information if the investigation can not substantiate the current reporting.

This ongoing inaccurate reporting has significantly impacted my credit score and financial opportunities. I expect your prompt response and resolution of this matter, including an updated credit report reflecting the corrections. 

Thank you for your immediate attention to 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 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: CA

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint against cashapp, ( Block inc. ) due to inadequate customer service and unfair problems/ practices. To my knowledge this violates the consumer financial protective act ( CFPA. ) Cashapp specifically failed to take timely and effective measures to prevent fraud from happening on their platform. I felt as if my account was open, unprotected, and vulnerable to anyone that really wanted access. Furthermore, cashapps dispute resolution process was deceptive, misleading, and poor work. 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 lost and I seek the 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report issued by Experian. Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and verifiable credit reporting. However, despite my previous efforts to resolve these errors through dispute submissions, the inaccuracies remain unresolved.

These issues are very similar to the practices identified in the Consumer Financial Protection Bureau ( CFPB ) lawsuit against Experian ( CFPB v. Experian Information Solutions , Inc. ). The CFPB highlighted the systematic failure to correct errors and ensure accurate information on consumers credit reports. I believe this pattern of non-compliance has directly impacted my report.

To resolve these inaccuracies, I request : 1. A thorough reinvestigation of the disputed items.

2. Correction or deletion of the inaccurate information.

3. Written confirmation of the changes made.

If this matter is not resolved within 30 days as required by the FCRA, I will escalate my complaint to the CFPB and other relevant authorities. 

Thank you for addressing this issue promptly. I look forward to your response within the required timeframe. 

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: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have submitted a claim through cfpb regarding this card already, and it was responded to by the company and 'resolved ' - however the resolution did not work. American Express told me that they activated the card for me, but since then I have tried using it multiple times and it is still not working. At this point I no longer want to keep chasing this and would prefer if American Express could send a check for the value of the giftcard, as it has been over a year of it still not working, even after submitting a complaint to cfpb. Have pasted my original complaint below for more details : I have been attempting to activate and use this American Express Gift Card worth {$250.00} for about a year now. Every time I have been unsuccessful. I have tried every route provided by the company. The company says to go online or call the phone number on the card to activate it. Whenever I try both these routes, online the activation will not go through and causes an error even though the details are correct ( have tried multiple times ). Attempted calling the number on the card ( an automated bot ), and when I input the card number on the phone call it says it is invalid every time. This is not accurate, and so I called the general Amex gift card customer service on XX/XX/year>. I gave them the card details and they were able to tell me that the card is valid, but they are unable to activate it for me as I can only do that through the channels including the online activation and the automated bot phone call activation, both of which I tried and failed as described above. I let them know that these routes were giving me error messages, but customer service told me there was nothing they could do about that. So I am stuck with a card worth {$250.00} that I am completely unable to use and customer service is not willing to help me with accessing it even though it is a valid card.

Company response to consumer: Closed with explanation