vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On and for the record, the debt owed to XXXX  XXXX in regard to the financed automobile has been settled as evidenced by IRS acceptance of my XXXX filing on XX/XX/year> as well as XXXX XXXX receipt of the Original Contract with special stamp and endorsement in accordance with 31 CFR 328.6 which legally converted the Contract/Security into a marketable security for discharge of the debt. Due to this fact, I am now excersing all Rights as the Holder in Due Course and i have filed a UCC1 Lien on the financed property further evidencing that this debt has been settled and that I am now the legal owner of the financed automobile. 

Based on the facts above, I am hereby demanding that XXXX XXXX 'S account on my credit report be updated to a XXXX balance PAID AS AGREED. Due to the fact that this debt has already been tendered through the IRS via 1099A, XXXX XXXX XXXX XXXX can no longer exercise rights as Holder in Due Course. 

According to page XXXX of XXXX XXXX 's Prospectus form, the Holder-in-Due-Course rule of the Federal Trade Commission ( the HDC Rule ) has the effect of subjecting any assignee of the sellers in a consumer credit transaction, and related creditors and their assignees, to all claims and defenses the obligor in the transaction could assert against the sellers. Liability under the HDC Rule is limited to the amounts paid by the obligor under the receivable, and the holder of the receivable may also be unable to collect any balance remaining due thereunder from the obligor. The HDC Rule is generally duplicated by the Uniform Consumer Credit Code, other state statutes or the common law in some states. However, liability of assignees for claims under state consumer protection laws may differ. Furthermore, According to UCC 3-302 ( e ) If ( i ) the person entitled to enforce an instrument has only a security interest in the instrument and ( ii ) the person obliged to pay the instrument has a defense, claim in recoupment, or claim to the instrument that XXXX be asserted against the person who granted the security interest, the person entitled to enforce the instrument XXXX assert rights as a holder in due course only to an amount payable under the instrument which, at the time of enforcement of the instrument, does not exceed the amount of the unpaid obligation secured. Since the debt has been paid in full according to the IRS, XXXX XXXX XXXX XXXX XXXX not exercise any further rights under the Instrument ( s ) in question.

Attached to this complaint is a copy of the 1099B I received after the IRS confirmed Acceptance of the 1099A and the debt was discharged as well as a copy of the UCC1 LIEN i have on the property

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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:
As a federal award recipient authorized by the U.S. Department of Health and Human Services Office on XXXX in Persons, I am writing to inform you that XXXX XXXX  has determined that XXXX XXXX is a victim of severe XXXX  XXXX. This determination qualifies him for certain protections under federal law, including the blocking of adverse credit information Under 22 U.S.C. & 7102 ( 11 ) or XXXX XXXX  under 22 U.S.C. & 7102 ( 12 ) as required to qualify for certain adverse credit information to be blocked pursuant to 12 C.F.R. & 1022.142 Please see attached original.

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 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: ME

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done online without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I am writing to formally express my concern 's regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting descrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: WI

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX - Balance : {$1800.00} - Account # : XXXX XXXX  XXXX XXXX - Balance : {$580.00} - Account # : XXXX XXXX  XXXX XXXX - Balance : {$3100.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate.

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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: WI

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX - XXXX : {$1800.00} - Account # : XXXX XXXX  XXXX XXXX - Balance : {$580.00} - Account # : XXXX XXXX  XXXX XXXX - Balance : {$3100.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate.

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX XXXXXXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under 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 explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
I'm filling a complaint against Equifax for failing to property investigated my dispute regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a through investigation.This Practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. ~1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the consumer Financial Protection Act ( CFPA ), 12 U.S.C.~~ 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative Proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. The Following account are in violation of my Fair Credit Right : Account : XXXX XXXX XXXX  XXXX ( XXXX ) Date opened : XX/XX/year>, Balance : XXXX. 
Account : XXXX XXXX XXXX ( XXXX ) Date opened : XX/XX/year>, XXXX : XXXX. And Account : XXXX XXXX XXXX ( XXXX ), Date opened : XX/XX/year>, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: WV

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: WA

Complaint narrative:
I was charged {$110.00} by XXXX XXXX for lessons that I have not taken. I contacted XXXX XXXX several times asking for my money back. 

I issued an investigation by Discover which was used to purchase the guitar lessons that I did not receive. Discover would not credit me the money back. 

Here are the details : XXXX XXXX XXXX XXXX, CA XXXX Call us XXXX Additional Information Transaction Details Merchant Category MUSIC STORES- INSTRUMENTS, PIANOS, MUSIC Transaction Date WED, XX/XX/year> Purchase Method MANUALLY KEYED Post Date WED, XX/XX/year> Recurring Billing Indicator Y Phone Number XXXX Point Of Sale Zip Code XXXX Store Number XXXX Cash Back Earned {$1.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: World Acceptance Corporation
State: IN

Complaint narrative:
WFC said they would delete from credit but it still on all 3 reports. Needing to be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I submitted dispute letters to Experian regarding multiple inaccuracies on my credit report. These disputes were sent more than 30 days ago, and I have not received any response. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, credit reporting agencies are required to conduct a reasonable investigation of consumer disputes and respond within 30 days. Experians failure to respond not only violates the FCRA but also infringes upon my rights as a consumer.

Moreover, the Consumer Financial Protection Bureau ( CFPB ) has filed a lawsuit against Experian for engaging in sham investigations and failing to properly handle consumer disputes. This raises serious concerns about whether my disputes were even reviewed or investigated at all. Experians failure to respond suggests that my disputes may have been discarded, further violating my rights under the FCRA.

Experians actions ( or lack thereof ) have caused me unnecessary frustration and prevented me from obtaining an accurate credit report, as guaranteed under federal law. I request immediate action to rectify this issue by conducting a thorough investigation of my disputes, removing any inaccurate or unverifiable information, and confirming these actions in writing.

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 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
My information was used fraudulent with my bank account using zelle

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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: Blackhawk Network Holdings Inc.
State: MO

Complaint narrative:
Was give a {$25.00} prepaid XXXX giftcard Through myprepaidcenter for signing up for XXXXXXXX XXXX XXXX XXXX. The card was difficult to claim and expired before I could use it. myprepaidcenter has refused to issue a new card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I was approved for a XXXX XXXX XXXX XXXX from Barclay 's Bank. The offer explicitly promises " instant gold status '' on XXXX XXXX  after making your first purchase. It also says that when you book a flight on XXXX XXXX with your XXXX XXXX you will receive XXXX free checked bags. As of today, XX/XX/XXXX, I still do not have XXXX status with XXXX XXXX. Additionally, I booked a flight using my XXXX XXXX, and was not able to add XXXX free checked bags. I had length conversations with XXXX and Barclays, and Barclay 's has yet to connect my new car account to my XXXX XXXX membership account, which prevents me from accessing the promised benefits. The say it could take 30 days for the accounts to be connected, but I have carefully reviewed the terms and conditions and nowhere does it say that there will be a delay of any kind, let alone 30 days. The times presented are " instant '' and " after your first purchase. '' They refused to offer any additional help or to expedite the connection of my accounts.

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