vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

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 XXXX as they did not comply with or re XXXX re direments 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 2025-01-22 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: NY

Complaint narrative:
Equifax Credit Reporting Discrepancy Complaint Description : I am submitting this complaint to report inaccurate information on my credit report provided by Equifax. After reviewing my Equifax credit report dated XX/XX/year>, I noticed discrepancies regarding my credit accounts, particularly : 1. The Accounts with Negative Information section is flagged, but upon reviewing the detailed account data, there are no balances, open accounts, or negative records that should be reported under this category. 
2. My credit accounts are inaccurately described as having a {$0.00} credit limit and {$0.00} balances across all accounts, which is inconsistent with my actual credit activity. 

These inaccuracies have the potential to harm my creditworthiness and misrepresent my financial standing. I request Equifax to : Conduct a thorough review of the errors. 
Correct any discrepancies in my credit report. 
Provide an updated, accurate credit report to all reporting agencies. 

I have attached supporting screenshots from my Equifax account that clearly show the inaccurate information. I expect a prompt resolution to ensure my credit report accurately reflects my credit history. 

Desired Resolution : 1. Rectify all inaccurate information on my Equifax credit report. 
2. Notify me once the corrections have been made and provide me with an updated report.

3. Inform all third-party entities that received my incorrect credit report of the updated and corrected version. 

Attached Files : Screenshot of the Accounts with Negative Information section. 
Screenshot of the Credit Report Summary showing no negative accounts but conflicting data. 

Thank you for addressing this matter Promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AR

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 Consumer 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 Funds Transfer Act and regulation E. These issues 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 2025-01-22 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act this 'creditor ' has and continues to violate a surplus of my rights under 15 USC 1681 sect. 602. They have not respected my right to privacy regardless of the alleged business done between both parties. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has failed to provide proof of my oral or written acceptance of this alleged debt which is in direct violation of 15 USC 1681 sect. 604 ( A ) 2 assisting clear violations of 15 USC 1666b, 1637b, 1681s2, 1681, FCRA, FDCPA, etc I've kept record of my certified letter assisting an notarized cease and desist letter which lawfully should have stopped all communication, reporting and infringement of my account. I've provided additional documentation, if helpful - expressing how their misleading information provided to my FICO report & their lack of compliance with FCRA rules is leaving me without a clear resolution and causing significant distress to my credit worthiness and hindering my ability to acquire essential assets. 

It is their responsibility to acknowledge these concerns arising from their incorrect reporting. I appreciate your urgent attention to this matter and look forward to a prompt and equitable resolution. Lack of resolution will leave me no other choice but to have the local Congressman promptly forward a formal complaint to the Federal Trade Commission and Attorney General for further scrutiny in this matter, pending immediate relief. 

In general, if your debt is canceled, forgiven, or discharged for less than the amount owed, the amount of the canceled debt is taxable. If taxable, you must report the canceled debt on your tax return for the year in which the cancellation occurred. They have not properly remitted my 1099c so I can properly do my taxes. Because all income needs to be reported and i refuse to be in violation due to XXXX XXXX  's unfair practices. Thank you, your cooperation is appreciated in advance.

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 2025-01-22 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: FL

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 - Opened on XXXX XXXX, XXXX {$980.00} Unauthorized Inquiries : 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

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 2025-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: MS

Complaint narrative:
My cashApp account was closed for no reason causing issues with paying for things. Account hacked to many times and nothing was done to correct issue

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: IL

Complaint narrative:
Recently I checked my credit reported and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: IL

Complaint narrative:
Recently I checked my credit reported and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

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 2025-01-22 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: OH

Complaint narrative:
Dear CFPB, I am writing to formally express my concerns regarding the actions of XXXX and Experian, which I believe are violations of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c, concerning the failure to remove discharged debt from my credit report. 

I have previously filed a complaint with your agency regarding XXXX 's reporting of my payment history. In their response, XXXX claimed that they do not report late payment history. This statement is not only misleading but also a blatant lie, as I have attached a copy of my credit report directly from the XXXX website that clearly contradicts their claim. Additionally, I am including their letter, which I believe demonstrates their deceitful practices and lack of transparency. 

Furthermore, I have filed a report with the Federal Trade Commission ( FTC ) against both XXXX and Experian for reporting fraudulent information on my credit report. My attempts to resolve this matter amicably have been unsuccessful, and I am now notifying you that this is my final attempt to rectify these issues before I proceed with legal action against both agencies. 

It is well-known that both XXXX and Experian have a troubling reputation for failing to conduct proper investigations and for violating consumer rights. Their ongoing issues, including being sued by the CFPB, only reinforce my concerns about their practices and reliability as credit reporting agencies. 

I urge the CFPB to take immediate action regarding this matter to protect my rights and ensure that XXXX and Experian comply with the law. If these issues are not resolved promptly, I will not hesitate to pursue legal action against both agencies. 

Thank you for your attention to this serious matter. I look forward to your timely response. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
There is inaccurate addresses and employers being reported no my credit report erroneously by XXXX, XXXX and Equifax. These addresses does not belong to me nor do I reside there. This inaccurate information may negatively impact my credit and mis represent my Identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: AZ

Complaint narrative:
There is inaccurate addresses and employers being reported no my credit report erroneously by Experian, XXXX and XXXX. These addresses does not belong to me nor do I reside there. This inaccurate information may negatively impact my credit and mis represent my Identity.

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 2025-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OneMain Finance Corporation
State: NC

Complaint narrative:
OneMain attempted to sue me for a questionable debt and when they requested my appearance in court I showed up and they did not. At that time, the judge dismissed the case and the debt. Since that time they have continued to report this debt erroneously on my credit report in violation of the Fair Debt Collection Practices Act as well as the Fair Credit Reporting Act. Please remove this from XXXX, XXXX and XXXX immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: CA

Complaint narrative:
Dear CFPB, I am writing to formally submit a complaint against Equifax in light of their recent conduct regarding investigations of credit reporting errors, as highlighted in your own announcement regarding their {$15.00} XXXX settlement for improper practices. 

As an individual who has had an ongoing issue with my credit report, I am deeply concerned about the integrity and reliability of the credit reporting process. My experience with Equifax has revealed significant flaws in their handling of disputes related to inaccuracies in my credit report. 

On, I submitted a dispute regarding incorrect account information, late payments that were reported inaccurately. I expected Equifax to conduct a thorough and fair investigation into my claims, as required by law. However, my experience has demonstrated that their investigation was anything but adequate. 

Details of My Experience : 1. Inadequate Investigation : Equifax 's response to my dispute was cursory at best. They failed to perform a meaningful review of the evidence I provided, which included [ describe any documents or evidence you submitted supporting your dispute ].

2. Lack of Communication : The process lacked transparency. I did not receive clear explanations regarding the outcomes of my disputes, nor did I have adequate opportunities to follow up or ask questions.

3. Repeated Errors : Despite my efforts to rectify the inaccuracies, they continued to reappear on my credit report, negatively impacting my credit score and ability to secure loans or favorable interest rates.

4. Failure to Adhere to the Law : It has become evident that Equifax did not comply with their obligations under the Fair Credit Reporting Act ( FCRA ). Their actions have caused me not only financial harm but also considerable emotional distress.

Request for Action : I believe it is crucial for the CFPB to take note of the systemic issues regarding Equifax 's investigation process, particularly in light of their settlement for similar practices. I urge the CFPB to further investigate Equifaxs compliance with credit reporting regulations and ensure they implement necessary changes to protect consumers from such lapses in the future. 

As a consumer, I expect fair treatment and accountability from credit reporting agencies. I appreciate your attention to this matter and look forward to your response regarding any actions that can be taken on my behalf or in the interest of consumer protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: United PanAm Financial Corp.
State: NV

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX for multiple violations of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e ( 5 ), and Nevada state law XXXX XXXX regarding illegal debt collection practices, improper credit reporting, and threats of unlawful repossession. 

On XX/XX/XXXX, at XXXXXXXX XXXX XXXXXXXX, I received an email from XXXX XXXX, Loss Mitigation Supervisor, demanding that I make a full one-month payment immediately or surrender my vehicle. The email also stated that failure to disclose my vehicles location would be considered " concealment, '' implying criminal action on my part. However, XXXX  law ( XXXX XXXX ) requires formal legal notice and adherence to repossession procedures, which XXXX XXXX XXXX failed to follow. 

Furthermore, when I called their office immediately after receiving the email, I was told that their team closes at XXXX XXXX XXXXXXXX ( XXXX XXXX  XXXX  time ), leaving me with less than XXXX minutes to comply. This is an unfair and deceptive collection tactic, violating the FDCPA 15 U.S.C. 1692e ( 5 ), which prohibits false threats of legal action. 

Additionally, XXXX XXXX XXXX has failed to update my account on my credit report since XX/XX/XXXX, despite my delinquent status. This means they have been knowingly furnishing incomplete and inaccurate information to credit bureaus, violating FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ). If they suddenly update my account after this complaint, it proves their prior non-compliance. 

The email also stated that my online payment portal was blocked and instructed me to submit my credit card details via email, which is an unsecured payment method and a potential FTC security violation. 

I am also submitting this complaint to the FTC, Nevada Attorney General, and the Better Business Bureau for further legal action. I request a formal investigation into XXXX XXXX XXXX practices, including their failure to properly report accounts and their aggressive intimidation tactics against borrowers. 

Attached are supporting documents including ( 1 ) the email from XXXX XXXX XXXX, ( 2 ) my most recent credit report showing that the last reported activity on this account was in XX/XX/XXXX, and ( 3 ) the FTC complaint confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-01-22 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: 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief