vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Zip Co US Inc.
State: GA

Complaint narrative:
I tried to buy a ticket with Zip XXXX a pay in increments company like XXXX. On XX/XX/XXXX when I tried to use the website it was automatically declined on the website but my payment was still accepted by Zip and money " XXXX '' was still taken from my acct. I used XXXX to buy the ticket which is supported within the app, but XXXX XXXX isn't apparently. So because my payment was declined by an unsupported third party I was still charged and have to wait 13 days to receive my money back. This is extremely unprofessional since on the Zip app they say Zip is accepted ANYWHERE that supports XXXX. When I called customer service today they said the app wasn't updated so there was no way of me knowing that I could fall into this problem. So because of their negligence, I had my money taken and they are withholding my funds. This is false advertising and I want them to make it right Immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: FL

Complaint narrative:
I am filing this complaint because a credit bureau is reporting an account on my credit file without my informed consent, which I consider a direct violation of the Fair Credit Reporting Act ( FCRA ) 1681b. 

Although it is possible that I signed a document at the time the account was opened, I was never notified nor clearly informed that this account would be reported to credit reporting agencies. I did not receive any disclosure or written explanation about how my non-public personal information would be used. 

According to FCRA 1681b, a valid legal purpose and proper authorization are required to report any information to a credit reporting agency. The lack of informed consent makes this reporting unauthorized and a violation of my financial privacy. 

The account in question is : Creditor Name : XXXX Account Number : XXXX Date Opened : XX/XX/year> This account continues to appear on my credit file despite the absence of proof that I authorized it. 

I submitted a formal dispute to the credit bureau requesting evidence that I gave informed consent. I also cited FCRA 1681i, which states that they must verify or delete any information they can not confirm within 30 days. To date, I have not received any documentation proving that I authorized this reporting, nor has the account been removed from my credit file. 

I have also submitted an identity theft report to the FTC, which supports this claim. 
FTC Report Number : XXXX I am requesting that the CFPB intervene and ensure this account is deleted immediately due to lack of authorization and compliance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
I am filing a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violates 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 EXXXX 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 2025-04-30 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Netspend Corporation
State: AZ

Complaint narrative:
I gave my bank account, routing and debit card information to someone impersonating XXXX XXXX  who told me that I owed the IRS backpay. On XX/XX/year> I contacted my bank, Flare, to report it to them. They closed the account and assigned me a new account number, as well as sending me a replacement card. I went to their physical location on XXXX XXXXXXXX XXXX XXXX XXXXXXXX, and was given a temporary debit card to use until the permanent one arrives in 5-7 business days. However I can't get the temporary one to work, when I try to activate it, it says to call Customer Service. 

Their Customer Service line just continues to play music as if I'm in queue, but I waited two hours once and no one ever answers. I can't check my card balance over the phone and I need to pay rent but have no means of accessing funds.

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 2025-04-30 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. 

Account Name : XXXX XXXX XXXX # XXXX XXXX XXXX  - Date Opened XX/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 2025-04-30 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: IL

Complaint narrative:
Pursuant to the Fair Credit Reporting Act ( FCRA ), you are required to verify the accuracy and validity of any disputed information within 30 days of receiving this notice. Additionally, if the disputed information is the result of a data breach, it must be deleted or blocked within 4 business days. If the information can not be verified, you are legally obligated to remove it from my credit report. 

I have provided an affidavit affirming that my credit report contains fraudulent accounts and unauthorized inquiries. In light of this, I strongly urge you to delete or block the disputed items immediately to prevent further harm and avoid escalation. 

If you are unable to verify the disputed items in accordance with the FCRA and continue to report them, I will be left with no choice but to seek legal remedy for actual damages and declaratory relief under FCRA 616 Civil Liability for Willful Noncompliance [ 15 U.S.C. 1681n ]. A copy of this provision is enclosed for your reference. Under this statute, I reserve the right to file suit in an appropriate state or federal court, including small claims court. 

I trust this matter will be resolved swiftly and in full compliance with the law.

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 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
- I had a workphone with an applecard attached to it which was linked to my workphone number and email address. 
- After leaving the company I forgot about the applecard until I was made aware of wrongful charges to a subscription. 
- I immediately challenged the late payment charges and requested the account to be closed. At that time I requested information on file to be updated to my new billing address, new phone number and new email address of which I was advised that would not be possible. I questioned how I would be updated on the dispute? To which I advised they would send a letter to the address on file. Luckily I know my previous landlords and they were kind enough to keep me updated on any mail that would arrive in my name. 
- Fast forward to when the mail arrives of my XXXX statement : it clearly states the reversed balance ( screenshot attached in documents ). It showed the credit on file and I figured if anything I might even get some money back. 
- Only to find out that my credit score tanked in XXXX due to a late payment of - guess what XXXX dollars. Seriously how did that happen? 
-Spoke to XXXX , I was credited for some but not all of the disuputes and owed a XXXX dollar interest charge. At this moment I demanded them to update my details on file because it made XXXX sense that i am not being made aware of this dispute results for the reasons mentioned above. At this time they were able to transfer me to a person that actually was able to change my details on file. Excellent but why was this not possible the first time around? 
- In the meantime I eagerly paid the outstanding interest charge and told them it made XXXX sense and that I would like to challenge this late payment on my report because the information on file was inaccurate ( which I tried to update to no avail ) and therefore I was not made aware of 1 ) my outstanding balance and 2 ) the results of the dispute. 
- I included multiple statements after I received full access to my account in XXXX once I could ( or better was allowed? ) to update to my new address and phone number etc.

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 2025-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
They suddenly restricted my account while I was traveling to Oklahoma after just getting new debit card, it worked fine until trying to use in Oklahoma. They restricted at XXXX Saturday XXXX. Said up to 72 hrs to review suspicious activity. I spent 37 mins on phone and answered all questions and verified all charges and actions since getting new card on apr XXXX. They still wont unrestricted my account as told by or after 72 hrs. Ive had no way to access any funds & they today said it may take another 72 hrs. Yet Ive already verified everything they asked and there is nothing suspicious going on with my acct except they wont let me use any of my $ for 8 of last 9 days. And restricted preventing me from transferring any money or paying any bills with bill pay since XXXX Saturday XXXX. Never had a bank control my money and restricted preventing me completely for such a period of time.

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 2025-04-30 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: TN

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 explanation
Consumer complaint received 2025-04-30 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: IL

Complaint narrative:
Please note the above referenced accounts were opened FRAUDULENTLY ; as a result of Identity Theft. My information was compromised & fraudulently used without my permission. My name, social security number, along with fake addresses, emails & phone numbers were also fraudulently used by the fraudster ( s ).

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 2025-04-30 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-30 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-30 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: CA

Complaint narrative:
Upon reviewing my payment records, I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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 2025-04-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: MS

Complaint narrative:
To Whom It May Concern, This letter serves as my formal cease and desist request under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692c ( c ), and my formal dispute of a credit reporting entry under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681s-2. 

I am demanding that you immediately stop all collection efforts and remove any and all reporting of this account to the credit bureaus, specifically regarding listed as a medical debt with a balance of {$540.00}. 

I have never entered into any agreement or contract with your company, XXXX XXXX XXXX, and therefore dispute the validity of this debt. Additionally, you are in violation of the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which clearly states that a furnisher of information may not furnish information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Furthermore, per FCRA 1681s-2 ( a ) ( 2 ), if a consumer notifies a furnisher that information is disputed, you are legally required to not report the information to any consumer reporting agency without indicating that the information is disputed. Continued reporting without such an indication is a violation of federal law and may subject you to civil liability under FCRA 1681n and 1681o. 

You are hereby ordered to : 1. Cease and desist all communication and collection efforts immediately, per FDCPA 805 ( c ). 
2. Provide complete and legally valid verification of this alleged debt under FDCPA 809 ( b ), including : A signed contract or agreement with the original creditor. 
Proof that you legally own or have been assigned this debt. 
A full payment and itemization history. 
3. Immediately remove all reporting of this account from all credit bureaus, including Equifax, Experian, and TransUnion, and confirm in writing that you have done so. Continued reporting of unverified and disputed debts constitutes a willful violation of the FCRA and subjects your company to statutory and punitive damages. 

Failure to comply with this request within XXXX  days will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the State Attorney Generals Office. I also reserve my right to seek legal action for damages caused by these violations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: IL

Complaint narrative:
I am requesting a proper reinvestigation as well as documentation and proof that Experian investigated. I keep filing complaints informing Experian that this account/debt does not belong to me. I have requested validation/verification of debt multiple times as well as proof the XXXX  is authorized to collect debt in the state of XXXX, which according to the XXXX website , they are not. 
XXXX XXXX XXXX In accordance with Rule 1002, Experian is required to provide me with the requested documentation within XXXX calendar days of receiving this notice. Please be advised that merely asserting the information is accurate is not sufficient. Without clear proof of compliance with the relevant provisions of the FCRA ( specifically 15 U.S. Code 1681a ( 2 ) ( A ) ( i ), 1666b, and 1637 ( b ) ), the information reported to Experian is invalid, and there is no basis for it to remain on my credit report. 

If Experian validated/verified this debt, I need Experian to provide proof of validation/verification : Proof of ownership and right to collect in the state of XXXX  A copy of the original signed agreement that establishes my liability. 
A full payment history from the original creditor to validate the balance. 
Clarification on the statute of limitations for this debt and whether it is time-barred Documentation of the process Experian used to investigate Copies of documents that Experian received to validate/verify the debt Documentation showing how Experian came to the conclusion that the debt belong to me Experian must adhere to the consumer laws that have been put in place to ensure that the information that Experian is allowing on my credit report are XXXX XXXX accurate and true.

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 2025-04-30 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-04-30 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: TX

Complaint narrative:
The collection account listed on my credit report is not mine. I have no knowledge of this debt and have never had any association with this account. I kindly request that this account be thoroughly investigated and promptly removed from my credit report.

Company response to consumer: Closed with explanation