vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IA

Complaint narrative:
I am filling 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 2025-02-02 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: TX

Complaint narrative:
The inquiries in question were related to a business credit application, not a personal credit request. Under the Fair Credit Reporting Act ( FCRA ), only personal credit-related inquiries should appear on consumer credit reports. This incorrect reporting may negatively impact the consumers credit profile and should be corrected immediately. Please remove the unauthorized inquiry to ensure compliance with FCRA 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 explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: NC

Complaint narrative:
I was offered a loan from XXXX XXXX and I decided to decline the loan do to the fees such as withdrawing the funds. I was later informed the withdrawal fee would be reduced if I agreed to take the loan. I did so and on the first statement after making the initial withdrawal, the draw fee was charged for {$460.00}. After contacting the company the refunded the {$460.00} but they applied it as an interest payment and not back to the principal which would reduce my overall remaining loan. I contacted XXXX again and they refunded {$480.00} and then billed me {$510.00}. After refunding the interest payment they Date Amount Type XX/XX/XXXX {$480.00} One-Time payment ( Refund ) XX/XX/XXXX {$510.00} One-Time payment Prior to this, the loan was paid in full in XXXX as illustrated XXXX I should not have been charged the {$510.00} XX/XX/XXXX {$5000.00} One-Time payment XX/XX/XXXX {$670.00} One-Time payment XX/XX/XXXX {$480.00} Recurring payment This loan was paid off on XX/XX/XXXX and there should have not been another charge of {$510.00} which XXXX deducted from my bank account. I have spoke with Headway in detail about this matter and each time, the representative tells me it will be raised to a manager and the issue is not resolved. In fact I have been charged more than what the draw fee of {$460.00} with the last charge of {$510.00} in XXXX, 2 months after the loan was paid in full.

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

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 XXXX 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.

Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ). This practice violates 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.

Sezzle credit limit is not accurate Certain accounts are closed and still reporting on my score

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 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

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 XXXX 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.

Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ). This practice violates 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.

Sezzle credit limit is not accurate Certain accounts are closed and still reporting on my score

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 2025-02-02 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:
When money 's wasn't released, or transfers wasn't completed. I attempted to make several calls to speak to an operator. 
But that didn't take place.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
I am filing a complaint Against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA. ) Specifically, Cash App failed to and effective measures to prevent and address fraud on their platform, leaving my account vulnerable, and unprotected. Furthermore, thier dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

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

Complaint narrative:
Last Updated XXXX, 2025 Payment Status At least 120 days or more than four payments past due Worst Delinquency Repossession Balance {$14000.00} Credit Limit

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

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 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 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 XXXXXX/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
Consumer complaint received 2025-02-02 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: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
I noticed unfamiliar inquiries showing on my credit report Navy FCU XX/XX/year> Navy FCU XX/XX/year> Navy FCU XX/XX/year> Navy FCU XX/XX/year> XXXX XXXX XXXXXX/XX/year>

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
1 ) In XX/XX/XXXX I visited XXXX XXXX on a business trip. During that trip my identity and credit card information appears to have been used without my knowledge or participation. 
2 ) XXXX XXXX and XXXX XXXX XXXX were informed that my credit cards had been used without my authorization. Prior to this incident, there had been no prior instances of delinquency or fraud on any of my accounts. 
3 ) XXXX XXXX account number : XXXX XXXX ) XXXX XXXX XXXX account number : XXXX XXXX ) XXXX XXXX XXXX account number : XXXX XXXX ) I made several complaints about the fraudulent charges on my accounts and in my name, filed grievances, sought verification for the source of these charges, and asked the company and credit bureau to validate this debt. 
7 ) Currently, more than six years have passed since this incident occurred and my credit score and consumer report reflect a debt that is blatantly fraudulent, and nothing is being done to resolve the issue.

8 ) Under 26 USC 165, and 26 USC 6050P and IRS regulations 1.6050P-1 these actors admit that they took a deduction for Loss Income while having never issued a 1099 ( c ), which is legally mandated.

9 ) These entries on my credit report have a direct correlation to several lost employment opportunities, denials of funding for business projects past and currently active, and reputational harm that can not be easily calculated into a dollar amount.

10 ) I have sent numerous certified mail letters and neither XXXX, Equifax, or XXXX have conducted a validation of debt despite my asking several times, and having documentary proof that I am not involved responsible for the debt. 
11 ) The debt is scheduled to be removed in XX/XX/XXXX, however, I am unable to have a security clearance issued, which affects job prospects and income, as a result of their inaction. 
12 ) The Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), makes it illegal to report inaccurate consumer information, and 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) requires that inaccurate information be removed immediately upon notice following an investigation. As this is an issue of identity theft, which began with international travel and personally identifiable information being compromised, under Section 605B ( 15 U.S.C. 1681c-2 ), this Information must be blocked within 4 business days and the credit reporting agency must cease reporting the information.

My personal life, and professional aspirations, are being curtailed due to a lack of compliance by the parties named above. This avenue is my only realistic means of having the appropriate agency intervene to end this flagrant violation of Federal and States laws for protection of consumer reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have had student loans on my credit report for a school that i didnt attend and the dates that they hey say that i started keep changing. ON my most recent credit report its saying now that the loans started in XX/XX/XXXX and my most recent payment was in XX/XX/XXXX these are both false and ive tried numerous times to get this inaccurate information removed from my credit file and the credit bureaus tell me the information is accurate. when i write them requesting that they show me how they validated the debt which they are required to do under law when requested, i never receive a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 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:
I have had student loans on my credit report for a school that i didnt attend and the dates that they hey say that i started keep changing. ON my most recent credit report its saying now that the loans started in XX/XX/XXXX and my most recent payment was in XX/XX/XXXX these are both false and ive tried numerous times to get this inaccurate information removed from my credit file and the credit bureaus tell me the information is accurate. when i write them requesting that they show me how they validated the debt which they are required to do under law when requested, i never receive a response.

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 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have had XXXX loans on my credit report for a school that i didnt attend and the dates that they hey say that i started keep changing. ON my most recent credit report its saying now that the loans started in XX/XX/XXXX and my most recent payment was in XX/XX/XXXX these are both false and ive tried numerous times to get this inaccurate information removed from my credit file and the credit bureaus tell me the information is accurate. when i write them requesting that they show me how they validated the debt which they are required to do under law when requested, i never receive a response.

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 2025-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CO

Complaint narrative:
XX/XX/year> VIA Email CFPB To Whom It May Concern : co RE : Cease and Desist - Debt Collection Contact This letter serves as notice to you and your company to immediately cease and desist all contact anc communication with me regarding the collection of an alleged debt and all related matters. 1 received the following on or around XX/XX/year> : - an email You claim that I owe debt in the amount of to JEFFERSON CAPITAL SYSTEMS LLC, account number do not owe this debt and I dispute this claim Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C.Section 1692, I demand that you and your company terminate all further contact with me including but not limited to communication via telephone, mail correspondence, electronic mail, or facsimile, f you continue to contact me other than to notify me that you are ending communication or that you are taking other legal action to collect the debt, 1 willbe forced to take legal action against you for violation of the Fair Debt Collection Practices Act and will seek al available damages and remedies Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Transunion has not provided evidence of an investigation, Violating the Fair Credit Reporting Act to conduct reasonable investigations of my credit profile/ report. Transunion has failed to remove unverified accounts. The CFPB has recently filed a lawsuit against Transunion for failure to comply with accurate credit reporting.

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 2025-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: MD

Complaint narrative:
In 2022 I had my account hacked what was my savings my account was my personal info was put on the dark web and now I'm having to have my credit fixed lost over {$5000.00} dealing with Cashapp

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My Information was exposed during the Data Breach. Please do not turn my dispute into a ( 30 ) day dispute! Under FCRA section 605B these fraudulent accounts should be within ( 4 ) days. Please remove all accounts listed. A police report has also been filled

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 2025-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud 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 2025-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

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 2025-02-02 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: NC

Complaint narrative:
I contacted equifax about the Unauthorized inquiries and nothing was done XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2025-02-02 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 writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief