vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-27 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 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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Upstart Holdings, Inc.
State: MI

Complaint narrative:
Complaint to CFPB Regarding XXXX 's Inaccurate Reporting Subject : Complaint Against XXXX for Reporting Inaccurate Information on Credit Report Date : XX/XX/XXXX Complainant Information : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX Phone : ( XXXX ) XXXX Email : XXXX Complaint Details : Credit Bureau Involved : XXXX Account Information : Creditor Name : Upstart XXXX XXXX  Account Number : XXXX XXXX I am filing this complaint to request the immediate removal of inaccurate and unverifiable information reported by XXXX on my credit file, specifically concerning the Upstart XXXX XXXX account. 

XXXX is reporting " Charge-Offs ( CO ) '' for the months of XXXX and XX/XX/XXXX, which are inconsistent with the factual history of this account. Furthermore, XXXX has inaccurately reported delinquency statuses, including ( e.g. 60, 90, 120, and 150 days past due ), without proper validation or verification. 
These reporting inaccuracies are violations of 15 U.S. Code 1681 ( i ) of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies must conduct a reasonable reinvestigation of disputed information within 30 days. Additionally, under 15 U.S. Code 1681e ( b ), XXXX is required to maintain maximum possible accuracy in the information reported. Failing to verify this information violates my rights under federal law. 

These violations, along with XXXX 's history of compliance issueshighlighted by the CFPB 's recent enforcement action that resulted in a {$15.00} XXXX fine for failures in investigating credit reporting errorsnecessitate immediate action. 

Request : I respectfully request that the CFPB : 1. Direct XXXX to remove the inaccurate charge-offs and delinquency statuses from my credit report for the Upstart XXXX XXXX account due to their unverifiable and inconsistent nature. 

XXXX. Ensure XXXX complies with its obligations under XXXX XXXX XXXX XXXX ( i ) and XXXX ( b ). 

XXXX. Hold XXXX accountable for its failure to follow proper procedures, causing harm to consumers like myself. 

Attachments : XXXX. Screenshot of the XXXX credit report highlighting discrepancies. 
XXXX. Payment history for Upstart XXXX XXXX from XXXX. 
XXXX. Copy of the CFPB press release on the {$15.00} XXXX fine. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Velocity Portfolio Group
State: MI

Complaint narrative:
Complaint to CFPB Regarding XXXX 's Inaccurate Reporting Subject : Complaint Against XXXX for Reporting Inaccurate Information on Credit Report Date : XX/XX/XXXX Complainant Information : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX Phone : ( XXXX ) XXXX Email : XXXX Complaint Details : Credit Bureau Involved : XXXX Account Information : Creditor Name : XXXX XXXX XXXX Account Number : XXXX XXXX I am filing this complaint to request the immediate removal of inaccurate and unverifiable information reported by XXXX on my credit file, specifically concerning the XXXX XXXX XXXX account. 

XXXX is reporting " Charge-Offs ( CO ) '' for the months of XXXX and XX/XX/XXXX, which are inconsistent with the factual history of this account. Furthermore, XXXX has inaccurately reported delinquency statuses, including ( e.g. 60, 90, 120, and 150 days past due ), without proper validation or verification. 

These reporting inaccuracies are violations of 15 U.S. Code 1681 ( i ) of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies must conduct a reasonable reinvestigation of disputed information within 30 days. Additionally, under 15 U.S. Code 1681e ( b ), XXXX is required to maintain maximum possible accuracy in the information reported. Failing to verify this information violates my rights under federal law. 

These violations, along with XXXX 's history of compliance issueshighlighted by the CFPB 's recent enforcement action that resulted in a {$15.00} million fine for failures in investigating credit reporting errorsnecessitate immediate action.

Request : I respectfully request that the CFPB : 1. Direct XXXX to remove the inaccurate charge-offs and delinquency statuses from my credit report for the XXXX XXXX XXXX account due to their unverifiable and inconsistent nature.

2. Ensure XXXX complies with its obligations under 15 U.S. Code 1681 ( i ) and 1681e ( b ).

3. Hold XXXX accountable for its failure to follow proper procedures, causing harm to consumers like myself. 

Attachments : 1. Screenshot of the XXXX credit report highlighting discrepancies. 
2. Payment history for XXXX XXXX XXXX from XXXX. 
3. Copy of the CFPB press release on the {$15.00} XXXX fine. 


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 2025-01-27 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:
There was a breach and my information was stolen and my credit has been hacked. Someone is using my information and XXXX has also added things to my credit as well. My identity was stolen when I was XXXX. I filed a police report in 2001 in XXXX. I have been fighting ever since to get things off that been added on that not mines and nothing is happening.

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 2025-01-27 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: GA

Complaint narrative:
There was a breach and my information was stolen and my credit has been hacked. Someone is using my information and XXXX has also added things to my credit as well. My identity was stolen when I was XXXX. I filed a police report in 2001 in XXXX. I have been fighting ever since to get things off that been added on that not mines and nothing is happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
Under 15 USC 1692 ( c ) Ive demanded this company to cease and desist and they refuse continuing to violate my rights causing harm. This company charged off an account which clears a debt but still reporting a pass due amount which is IRS violations. I also ask this company to send a debt validation letter under 15 USC 1962 ( g ) the company also violated the orders of the law. Under 15 USC 1681 ( a ) permissible purposes and section 605b this is identity theft and security fraud along with the Hobbs Act

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My name is XXXX XXXX, and I am formally disputing the inaccurate information listed on my credit report. In accordance with 15 U.S.C. 1681b and 15 U.S.C. 1681c, I did not authorize the reporting or release of my personal information to the companies listed below. This is a violation of my consumer rights to privacy, as they have no legal basis to report anything under my name. Furthermore, there are unauthorized inquiries on my credit report that I did not initiate, which constitutes a case of identity theft. Pursuant to 18 U.S.C. 8, I do not owe any debt to these entities, and I demand the immediate deletion of the items and inquiries in question to correct my credit report please address the matter promptly and confirm the removal of the disputed entities

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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My name is XXXX XXXX, and I am formally disputing the inaccurate information listed on my credit report. In accordance with 15 U.S.C. 1681b and 15 U.S.C. 1681c, I did not authorize the reporting or release of my personal information to the companies listed below. This is a violation of my consumer rights to privacy, as they have no legal basis to report anything under my name. Furthermore, there are unauthorized inquiries on my credit report that I did not initiate, which constitutes a case of identity theft. Pursuant to 18 U.S.C. 8, I do not owe any debt to these entities, and I demand the immediate deletion of the items and inquiries in question to correct my credit report please address the matter promptly and confirm the removal of the disputed entities

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 2025-01-27 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: Cascade CISS Holdings, LLC
State: NJ

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: NY

Complaint narrative:
i am filing a complaint against transunion for failing to properly investigate my disputes regarding inaccuracies on my credit report. despite my submissions, transunion consistently responds quickly stating the account is accurate, without providing any evidence of a thorough investigation also They failed to fulfill its legal obligation under the fair credit reporting act ( fcra ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. They've accepted unreliable evidence and responses, also transunion has neither corrected nor removed disputed items despite the evidence i provided, causing ongoing harm to my credit standing. i am requesting immediate corrective action to remove or amend the disputed accounts, as transunion inaction violates federal law and my rights as a consumer.this practice violates the fair credit reporting act ( fcra ) 15, usc 1681i, which mandates a reasonable investigation of disputes. furthermore transunion actions may contravene the consumer financial protection act 12 U.S.C 5536 ( A ) ( 1 ) ( A ) - ( B ), as highlighted in the cfpb 's recent administrative proceedings against transunion and many of these reporting companies for similar violations. i request the cfpb take action to ensure transunion complies with federal law and provides consumers with the necessary proof of investigation. ive attached the account information in the photos below for review.

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 2025-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: WA

Complaint narrative:
I am filing a complaint against Cash App ( Block Inc ) due to poor customer service and unfair practices that violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to act quickly and effectively to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Additionally, their dispute resolution process was unfair and deceptive, failing to meet the error resolution standards under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These issues have caused considerable inconvenience and financial loss, and I am seeking appropriate compensation for these violations. 

I WILL ATTACH SCREENSHOT OF CASHAPP ACCOUNT SHOWING PERSONAL INFORMATION AND CASH APP TAG FOR VERIFICATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: FL

Complaint narrative:
I submitted disputes through Experian on XX/XX/XXXX around XXXX pm and at XXXX am on XX/XX/XXXX the report came back stating verified. There is no way the investigated the accounts that fast.

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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/year> I filed a dispute on the following accounts ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Due to the reason of reporting inaccurate information on my credit report. Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against ( Experian ). They alleged the company of accepting unreliable information, failure to notify consumer dispute results. My information was also included in a data breach. This aligns well with my situation! Experian has not attempted to remove, nor correct any information. Im requesting these derogatory remarks be removed immediately as its affecting my chances og getting a ( House, CAR, Business Credit ). Experian violates my rights as a consumer, as well as federal laws. I would like these items removed

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 2025-01-27 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: GA

Complaint narrative:
UPON EXAMINING MY CREDIT REPORTS, I NOTICED THAT ALTHOUGH YOU HAVE NOT PROVIDED ANY EVIDENCE TO SUPPORT THE ACCURACY OF THE DEBT. YOU CLAIMED TO HAVE COMPLIED WITH ALL LEGAL AND REGULATORY REPORTING REQUIREMENTS, THUS YOU HAVE TO DELETE ALL NEGATIVE AND CRITICAL ACCOUNTS. 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, not later than 4 business days after the date of receipt by such agency.

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 2025-01-27 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: FL

Complaint narrative:
Experian has failed to properly investigate my disputes regarding inaccuracies in my credit report. Despite them varifying that my information was compromised in their data breach my submissions, Experian consistently responds within stating the account is accurate, without providing any evidence of the investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Futhermore, Experian 's may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the CFPBs recent Federal filing ( Case XXXX ) against them for similar violations. I request that the CFPB take action to ensure that Experian complies with federal law and provides consumers with the necessary proof of investigation into said accounts that are inaccurate : 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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I have requested a letter about settlement agreement and a letter noted when payments have been made and when settlement has been satisfied through email and mail ; neither of these documents have been sent to me through requested format. Instead, I was given the unclear answers on the phone and my last settlement payment was and completed ; however on my credit report Capital One is still reporting incorrect balance according to our settlement agreement and has not noted any payments made by me. The inaccurate and unlawful incorrect reporting has been detrimental to my credit report and XXXX XXXX from XXXX, XXXX, and XXXX. 

Accounts inaccurately reporting are the following : Capital One Acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: GA

Complaint narrative:
I am writing to request an proper investigation of the following information that appears on my consumer report. I have NEVER opened or used the following accounts, & I have sent multiple disputes out that I believe was never truthfully investigated. Some companies were removed from one bureau but still remained on the other two, then a few months later eveything came back. I have never used, obtain credit or owned any of these following accounts listed. 

XXXX XXXX XXXX  Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX Opened XX/XX/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 2025-01-27 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:
I am writing to request an proper investigation of the following information that appears on my consumer report. I have NEVER opened or used the following accounts, & I have sent multiple disputes out that I believe was never truthfully investigated. Some companies were removed from one bureau but still remained on the other two, then a few months later eveything came back. I have never used, obtain credit or owned any of these following accounts listed. 

XXXX XXXX acceptance Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX Opened XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have car on my credit that keeps reporting as late i haven't had the car in my possession for XXXX  years. 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