vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: NY

Complaint narrative:
To Whom It May Concern, Case # XXXX I am writing to formally complain about Cash Apps wrongful denial of my dispute without properly notifying me or providing any substantive information regarding the decision. I tried withdrawing {$1000.00} from the ATM and nothing was dispersed during the transaction. My account Cash App reflected the transaction. Despite my repeated attempts to obtain clarification, I have only received generic, AI-generated responses that fail to address my concerns. This lack of due process and transparency violates my rights under the Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693 et seq., and Regulation E ( 12 C.F.R. 1005 ), which require financial institutions to conduct a reasonable investigation of disputed transactions and provide consumers with clear, timely explanations. Cash Apps failure to communicate effectively and provide proper dispute resolution procedures constitutes a breach of these legal protections. 

Furthermore, by failing to properly address my inquiries and leaving me without meaningful recourse, Cash App has caused me undue emotional distress. The lack of human intervention and refusal to engage in good faith customer service violate principles of fair dealing under the Federal Trade Commission Act ( 15 U.S.C. 45 ), which prohibits deceptive and unfair business practices. Additionally, if Cash App operates as a financial service provider under state consumer protection laws, they may also be violating Unfair and Deceptive Acts and Practices ( UDAP ) statutes. I demand an immediate review of my dispute with a thorough investigation, proper documentation, and a formal response from a human representative. Failure to address this issue adequately may result in my pursuing further legal action and reporting these violations to the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-02-06 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: VA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint Against Equifax, TransUnion, and XXXX for Violations of the Fair Credit Reporting Act Dear Sir/Madam, I am writing to formally lodge a complaint against the credit reporting agencies Equifax, TransUnion, and XXXX regarding their failure to report accurate information on my credit report, as outlined in the attached correspondence from First Progress Card. 

On several occasions, I have disputed inaccuracies related to my XXXX XXXX account. Despite my efforts, Equifax, TransUnion, and XXXX have refused to report this information accurately, which I believe is a violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I refer to Section 607 ( b ) of the FCRA, which mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

The attached letters from XXXX XXXX clearly indicate that the account in question was properly verified and should be reported accurately. However, the refusal of these agencies to report the information is not only unjust but also detrimental to my credit score and overall financial reputation.

Furthermore, under 15 U.S.C. 1681n, consumers have the right to seek damages for willful noncompliance by reporting agencies. I believe that the actions of Equifax, TransUnion, and XXXX fall under this category, as they have neglected to fulfill their legal obligations to report accurate information. 

I request that both the Consumer Financial Protection Bureau and the Federal Trade Commission investigate this matter and take appropriate action to ensure that my rights, as well as the rights of other consumers, are upheld. I expect a prompt response to this complaint, along with any necessary steps to rectify the inaccuracies on my credit report. 

Thank you for your attention to this serious matter. 

Attachments : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-06 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: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
INQUIRIES NEED TO BE REMOVED, I DID NOT REQUEST NO CREDIT DURING THOSE TIME. 

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 2025-02-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
INQUIRIES NEED TO BE REMOVED, I DID NOT REQUEST NO CREDIT DURING THOSE TIME. 

XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MS

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 an 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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:
WELL I CHECKED CREDIT REPORT BECAUSE I WAS BUYING A NEW CAR AND THATS WHEN I NOTICED ACCOUNTS THAT DIDN'T BELONG TO ME SO I SUBMITTED AND FTC IDENTITY THEFT REPORT ALONG WITH MY SUPPORTING DOCUMENTS AND THEY HAVE FAILED TO REMOVED IT. I HAVE ALSO ASKED THE COLLECTION AGENCIES FOR THE FORWARD FLOW AGREEMNET TO EVEN PROVE THAT ITS MY DEBT OR IF THEY EVEN HAVE THE RIGHT TO COLLECT ON THE DEBT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
RECENTLY CHECKING MY CREDIT FREPORT I NOTICED I'VE BEEN A VICTIM OF IDENTITY THEFT AND FOUND NUMEROUS OF CREDIT INQUIRIES AND FRADUELNT ACCOUNTS I HAVE NO KNOWLEDGE OF HERE ARE THE INQUIRIES AND ACCOUNTS I FOUND 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 PLEASE REMOVE THESE FRAUDLENT INQUIRIES AND ACCOUNTS FROM MY CREDIT REPORT THANK YOU. I ALSO ATTACHED MY YDENTITY REPORT AS WELL

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 2025-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Avant Holding Company, Inc.
State: TX

Complaint narrative:
I made my monthly payment for the balance in full on the due date ( XX/XX/XXXX ) but it is now XX/XX/XXXX and my payment isn't reflected on my account and neither is my correct available balance. My statement is available on the XXXX of each month but it isn't available as of today ( XX/XX/XXXX ) and no one can give me a clear explanation or tell me when my balance will be corrected. I ask for a supervisor 2 times during the day and they are not available. 

The money for my payment has clearly been taken out of my bank by Avant.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: CA

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: IN

Complaint narrative:
've been receiving texts and calls from a company called Harris and Harris Limited, based in Illinois, regarding an alleged debt. They provided a link to a payment site along with a reference number. Knowing this could be a tactic commonly used by scammers, I decided to investigate further.

I researched the company and contacted their official customer service. After speaking with their agents, they confirmed that they had no records of me or any outstanding debt, especially since I don't reside in Illinois. When I asked them to verify the reference number provided in the message, they informed me that the number was not valid.

This experience has raised concerns that the messages may be part of a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: FactorTrust, Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX Date : XX/XX/year> To : FactorTrust , Inc. XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Update Public Records with Phone Number Dear FactorTrust Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Thank you for your attention to this matter. Please feel free to contact me at XXXX or via email at XXXX if you have any questions or need further information. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX Ct XXXX, TX XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Experian Information Services XXXX XXXX XXXX XXXX, TX XXXX XXXX Whom It May Concern : I was reviewing my credit report and found several addresses that appear to be incorrect. I have attached documentation providing proof of my current address, as indicated on your website. 

To facilitate the removal process, here is a list of incorrect addresses I currently see in my report ( which I would like to be removed ) : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX There should only be one address in my report, which is : XXXX XXXXXXXX XXXX XXXXXXXX XXXX TX XXXX XXXX 

I also noticed that my name appears to be misspelled on my credit report. My name has only one correct spelling, and there should be no variations listed. I have attached my photo ID to show the correct spelling.

Once again, to facilitate the removal process, here are the incorrect spellings I see in the list XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally , I request the removal of the incorrect employers listed below : XXXX XXXX The only job I need listed is : XXXX XXXX XXXX  Therefore, I kindly request that you delete this inaccurate information, as it is causing difficulties in ensuring my report is clean in the best possible way for me to continue with my legal process. 

Once the incorrect names, addresses, and employers have been removed from my credit report, please send me a copy of my updated credit report. 

Thank you for your attention and assistance in resolving this matter promptly. 

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 2025-02-06 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: SC

Complaint narrative:
Please ensure the unauthorized accounts are blocked and removed from my credit report promptly. I did not initiate these accounts and do not recognize them. Under USC 1681g, I formally request their removal within 15 days. Supporting documents are included for your consideration.

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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to formally dispute the late payment reported on my credit report for my auto loan account with XXXX XXXX XXXX. The late payments in question occurred because my due date is the XXXX of each month, but some months do not have 31 days. In these months, I made my payment on the last available day ( e.g., XX/XX/XXXX, XX/XX/XXXX, etc. ), which should be considered on time.

According to the Fair Credit Reporting Act ( FCRA ), all reported information must be accurate. Because my payments were made in accordance with my due date, I request that you correct these late payments with the credit bureaus and update my account status to reflect timely payments. 

I have attached the following supporting documents : 1. A copy of my loan agreement confirming my due date is the XXXX. 
2. Proof of payment history showing my payments were made on the last available day of months without a XXXX. 

Please investigate this matter and confirm in writing that the late payments have been removed. If you find that my dispute is valid, I also request that you notify Experian, XXXX, and XXXX to update my credit file. 

If you believe the late payments were correctly reported, please provide a written explanation detailing how a XXXX due date should be handled in months with fewer days. 

I appreciate your prompt attention to this matter and expect a response within 30 days as required by the FCRA. Please feel free to contact me at [ Your Phone Number ] or [ Your Email ] if you need any additional information. 

Sincerely, [ Your Name ]

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 2025-02-06 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: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-02-06 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: MD

Complaint narrative:
First, on or around XXXXXXXX XXXX  XXXX was unauthorized by me to report late payments and a charge off on my credit report, negatively affecting my credit score. 

Secondly, as of XXXXXXXX XXXX I am disputing a debt from XXXX XXXX. XXXX, but they have avoided specifically responding to my requests for lawfully requested information about the alleged debt they are attempting to collect on, and they are also unauthorized by me and in violation of 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) with reporting late payments to TransUnion.

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 2025-02-06 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: MD

Complaint narrative:
First, on or around XXXXXXXX XXXX  XXXX was unauthorized by me to report late payments and a charge off on my credit report, negatively affecting my credit score. 

Secondly, as of XXXXXXXX XXXX I am disputing a debt from XXXX XXXX. XXXX, but they have avoided specifically responding to my requests for lawfully requested information about the alleged debt they are attempting to collect on, and they are also unauthorized by me and in violation of 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) with reporting late payments to TransUnion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any 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.

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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any 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.

Company response to consumer: Closed with non-monetary relief