vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My information was exposed in a data breach, accounts I have not used in years and have been closed are being updated. The same information is not being reported to each credit reporting company, collection companies are saying they reached out to me so they can update their information but they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AL

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 proce 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. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH

Complaint narrative:
SOMEONE HAS OPENED AND USED A FRAUDULENT CREDIT CARD IN MY NAME. THE CREDIT BUREAUS XXXX AND XXXX ARE GUILTY OF USING MY PERSONAL IDENTIFICATION INFORMATION TO PUBLISH INCORRECT INFORMATION ON MY CREDIT FILE. I URGE YOU TO HAVE THESE ITEMS REMOVED AS THEY ARE NOT INITIATED BY ME AND BY LAW MUST BE REMOVED WITHIN FOUR DAYS OF NOTIFICATION.

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 2025-01-17 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: OH

Complaint narrative:
SOMEONE HAS OPENED AND USED A FRAUDULENT CREDIT CARD IN MY NAME. THE CREDIT BUREAUS XXXX AND EQUIFAX ARE GUILTY OF USING MY PERSONAL IDENTIFICATION INFORMATION TO PUBLISH INCORRECT INFORMATION ON MY CREDIT FILE. I URGE YOU TO HAVE THESE ITEMS REMOVED AS THEY ARE NOT INITIATED BY ME AND BY LAW MUST BE REMOVED WITHIN FOUR DAYS OF NOTIFICATION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-17 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: NJ

Complaint narrative:
I have previously disputed this item with you and in response you verified the item as accurate stating you verified with the court, I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureaus for that matter therefore your original response verifying was either in error or a LIE either way the reporting requirements do not comply with the FCRA section 611 15 USC section 1681 and the information must be deleted immediately.

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 2025-01-17 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 cashapp ( Block, Inc. ) Due to inadequate customer service and unfair practices, which violates the consumer financial protection act ( CFPA ). Specifically cashapp failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable but also 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 2025-01-17 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: FL

Complaint narrative:
I am filing a complaint against Zelle 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 2025-01-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently pulled my credit report again and noticed items that were marked in my identify case are still reporting. I will upload a identify theft report, lease, an social security card for more accurate update. I have incorrect name, address and employers. My only name is XXXX XXXX. My only address have been XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX. I have serval accounts connected to inaccurate information on my credit report. which in violation my FCRA NO. XXXX rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My rights were violated according to XXXX XXXX. XXXX. Disputing in writing and verbally only resulted in repeated inaccuracies. I have been denied credit where I was qualified if accuracy have been improved with respect to my rights. 

XX/XX/XXXX inaccuracy was reported prior to the XX/XX/XXXX due date. When I contacted the XXXX, prior to the XXXX of XXXX, credit officer confirmed no late payment. When I disputed reporting the bureau repeated inaccuracy. When I explained that XXXX XXXX XXXX XXXX XXXX did not report the other XXXX lending products because I have an extension on all three, which would have appeared. Then they reported an inaccuracy on the personal for XX/XX/XXXX. Then I disputed again and it repeat the inaccuracy, but have since changed the late reporting from XX/XX/XXXX to XX/XX/XXXX for the credit card. Instead of updating the inaccuracy altogether, the bureau is unjustly reported inaccuracies. There was never 30 days late as it would apply to all XXXX lending products since XXXX extended a hardship collectively. Before the inaccuracies I was never late. 

Includes inaccuracies also beginning XX/XX/XXXX XXXX XXXX  XXXX XXXX {$18000.00} XXXX  XXXX in not accurate as an account {$1500.00} Includes inaccuracies beginning XX/XX/XXXX XXXX was disputed in XXXX and XXXX and reported as inaccurate {$3600.00} Includes inaccuracies beginning XX/XX/XXXX XXXX $ {$6600.00} Includes inaccuracies even after duplicate account identified where balance is {$0.00} 60 days are report late from XXXX. 30 DAY LATE ARE NOT REPORTED. The report have been adjusted over years, but inaccuracies remain. The duplicate debtor is XXXX XXXX XXXX which is in good standing. The bureau refuses to update the inaccuracy. It's impossible to show good standing while the next month shows 60 days. 
The report shows that I met the TERMS of payment in XXXX of XXXX, but a 60 day LATE payment was reported in XX/XX/XXXX. The report shows that I met the TERMS of payment in XXXX of XXXX, but a 60 day LATE payment was inaccurately reported. 


I have been denied personal loans for family emergencies where I had the finances, but the creditability was ruined by these inaccuracies and unfair reporting. I can not get a loan from the financial institutions where I have a XXXX plus year relationship, nor a business loan associated with my personal credit from the institution I have a relationship for nearly XXXX  years.

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 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Early Warning Services, LLC
State: OH

Complaint narrative:
Ive had Zelle for some time, I ve lost money And I feel as if my privacy and rights also been lost and anyone can access my information. Im highly disappointed. 
Compensation for my loss would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 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: FL

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform.despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle numerous times and reporting discrepancies, my financial institutions 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 CFPBs finding 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 consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JDJ Investments, INC.
State: GA

Complaint narrative:
I am writing about a collection account that appears on my credit report from Professional Collection I am disputing this account for the following reasons : 1. The collection agency claims to have sent me a debt validation letter, which I never received. I request proof that this letter was sent, including the date and method of delivery. 
They also stated I never sent anything to them and I have proof that items were electronically sent XXXX and XXXX to their company. They also stated this is from another company but list themselves as the original creditor which according to their last response through CFPB this debt came from something else. They are giving false information all around the board. 

XXXX. I have never done business with this collection agency and do not recognize this debt as mine. 

XXXX. Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to debt validation and hereby request : - Proof of the original debt amount and current balance - Documentation showing how the debt was calculated, including all fees and interest charges- The name and address of the original creditor - The date the debt became delinquent and was charged off - A copy of the complete original contract or agreement that created the debt - Documentation showing the collection agency 's authority to collect this debt - Proof of the chain of ownership if this debt has been sold

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital one has had an issue with direct deposit I have not received my direct deposit on friday

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 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: CA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
I am filling a complaint against cash app ( Block , inc ) due to inadequate customer services 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 2025-01-17 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:
" I am writing to dispute accounts on my credit report that were made without my consent. According to section 604 of the FAIR CREDIT REPORT to section XXXX XXXX XXXX XXXX XXXX XXXX, there are specific permissible purposes for obtaining a credit report. I did not authorize these accounts and can not find any permissible purpose under this section that justifies their presence on my credit report. PLEASE DELETE ACCOUNTS XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX AND 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 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: WI

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 sand 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 acts 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 2025-01-17 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: MOHELA
State: TX

Complaint narrative:
I am writing to file a formal complaint regarding inaccuracies on my credit report that I have previously disputed without resolution. Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), I am entitled to accurate reporting of my credit information. Furthermore : - The FCRA requires credit bureaus to investigate disputes within 30 days and provide corrections for errors.

- Lenders and servicers are obligated to provide accurate and truthful information to credit reporting agencies.

Specifically, I have identified the following issues related to my student loans : 1. Duplicate Accounts : - My credit report reflects duplicate entries of the same student loan account ( s ), which inaccurately inflates the total amount of debt reported. This duplication negatively impacts my creditworthiness and misrepresents my financial obligations.

2. Incorrect Payment History : - The payment history for my student loan account ( s ) is inaccurate. Despite having made on-time payments, my report reflects late payments or other discrepancies that are false. This is both misleading and damaging to my credit profile.

Actions Taken : I initially identified these errors months ago and promptly contacted all 3 credit bureaus and loan servicers to dispute the inaccuracies. I submitted all supporting documentation, including relevant documents, loan statements, payment receipts, and correspondence to substantiate my claims. Despite allowing the XXXXday timeframe stipulated under the Fair Credit Reporting Act ( FCRA ) for resolution, the inaccuracies remain unresolved. 

Impact : These errors have caused significant harm, including : - Inaccurate reporting of my credit obligations and payment reliability. 
- Lowered credit score, resulting in difficulty obtaining loans, higher interest rates, etc I trust that the CFPB will assist in ensuring my rights are upheld and that these errors are promptly resolved. 

Thank you for your attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

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

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actioris 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 2025-01-17 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: GA

Complaint narrative:
I have recently received a copy of my credit report and realized some fraudulent information on my report and it is preventing me from obtaining further and future credit and I need the fraudulent information removed immediately, The following companies are as follows : XXXX XXXX and 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 2025-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My personal information was involved in multiple data breaches and I contacting credit agencies to dispute and update information. Unfortunately that information is still 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 2025-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My personal information was involved in multiple data breaches and I contacting credit agencies to dispute and update information. Unfortunately that information is still inaccurate

Company response to consumer: Closed with explanation