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: Incorrect information on your report — Account status incorrect
Company: FIRST NATIONAL BANK OF OMAHA
State: TX

Complaint narrative:
I settled a debt and asked for them to email or mail me a copy of what was agreed on. They agreed to settle for {$1100.00} and they would report that the account was paid as agreed and left to XXXX. Instead they reported the balance to XXXX and settled for less that agreed upon/ less than the balance when that was not what we agreed on. They lied to me in order for me to pay a lump sum of money. They have been predatory in their practices since Ive began to deal with them.!

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MN

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

Company response to consumer: Closed with explanation
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: VT

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) Due inadequate Customer Service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective to prevent and address fraud on their platform, leaving my account viable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under Electric Fund Transaction 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 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:
I discovered multiple inaccuracies on my credit report, which I believe are in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) and related federal laws. Specifically : XXXX, XXXX, and XXXX XXXX Accounts : These accounts are reported as having late payments despite the fact that I am protected by the CARES Act. Under the CARES Act, creditors are required to update credit information to reflect " pays as agreed '' if the account is in a forbearance or other CARES Act-protected status. I have demanded that these entries be updated accordingly to " pays account as agreed. '' XXXX XXXXXXXX Entry : This entry violates my consumer right to privacy under 15 U.S.C. 1681 ( a ) ( 4 ). I have requested its immediate deletion due to non-compliance with the protections outlined in 15 U.S.C. 1681a ( 4 ).

Additionally, there are inaccuracies in my personal information on the report that also need correction.

Under 15 U.S.C. 1681i, credit reporting agencies are required to investigate disputes within 30 days and correct any inaccuracies. Past court rulings, such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  affirm that credit reporting agencies must perform a thorough and reasonable investigationnot just rely on automated processes. 

I have formally notified XXXX of these inaccuracies and demanded immediate action. If they fail to resolve this matter within the mandated timeframe, I am prepared to escalate, including filing complaints with regulatory bodies like the Consumer Financial Protection Bureau ( CFPB ) or pursuing legal action for noncompliance under 15 U.S.C. 1681n ( willful violations ) and 1681o ( negligent violations ). 

The response and corrections to my dispute will determine my next course of action.

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: TX

Complaint narrative:
i am filling a complaint against Cash App ( Block, inc. ) due to inadequate customer service and unfair practices, which violate the Customer 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 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 reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

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. 

Account Name : XXXX XXXXXXXX XXXX  XXXX XXXX XXXX Account Name : XXXX XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX  XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXXXXXX # XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX  XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name XXXX XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
Somebody got into my cash app account and block account and was transferring money to themselves in the upwards of {$8700.00} my bank did not reimburse me there is a police report for and I would like to be reimbursed

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 — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax has failed to fulfill it's 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. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax 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 disputed accounts, as Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
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: 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 actions have caused significant inconvenience and financial loss, and seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Against XXXX for Violations of FCRA and Other Consumer Protection Laws To Whom It May Concern, I am submitting this formal complaint against XXXX for failing to comply with the Fair Credit Reporting Act ( FCRA ) and other federal consumer protection regulations, resulting in the reporting of inaccurate, unverifiable, and misleading derogatory marks on my credit report. These inaccuracies violate my rights and have caused undue harm to my financial standing. 

Account in Dispute and Violations Identified Bank of America Account # XXXX Issue : Charged off with a {$1800.00} balance. No documentation validating this derogatory mark has been provided. 
Violation : FCRA 623 ( a ) : Requires furnishers to report accurate and complete information. 
15 USC 1681s-2 ( a ) ( 7 ) : Specifies the duty to notify consumer reporting agencies of the disputes resolution, ensuring the report reflects any updates or corrections.

Violation : FCRA 623 ( a ) : Obligates furnishers to ensure data accuracy.

12 CFR 1006.34 ( c ) ( 4 ) ( i ) : Requires details about the debts original creditor and payment history. 

Violation : FCRA 611 ( a ) : XXXX must verify disputed items or delete unverifiable information. 
15 USC 1681s-2 ( a ) ( 7 ) : Requires timely updates and corrections to consumer reports when inaccuracies are identified. 
Legal Violations Cited FCRA 611 ( a ) : Credit reporting agencies must investigate and remove unverifiable information within 30 days.

FCRA 609 ( a ) : Entitles consumers to access the documentation used to verify disputed items.

FCRA 623 ( a ) : Obligates furnishers of credit data to maintain accuracy and correct errors.

15 USC 1681s-2 ( a ) ( 7 ) : Requires accurate dispute reporting and resolution communication with consumer reporting agencies.

12 CFR 1006.34 ( b ) ( 5 ) : Mandates clear identification of the debt and its creditor.

12 CFR 1006.34 ( c ) ( 4 ) ( i ) : Requires the inclusion of sufficient details about the debt to validate its accuracy.

12 CFR 1006.34 ( d ) : Specifies the necessity of accurate last payment information in debt validation notices. 
Harm Experienced The presence of these inaccurate and unverifiable derogatory marks has resulted in : A significant negative impact on my credit score. 
Difficulty obtaining financial products and services. 
Increased stress and financial hardship.

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

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 Trust 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 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:
I am writing to file a formal complaint regarding a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681o, which holds entities accountable for negligent violations of the FCRA. Below are the details related to my complaint On XXXX, I filed a dispute with Equifax, As for XXXX on XX/XX/XXXX regarding an inaccurate items on my credit report. This dispute was related to XXXX XXXX XXXX for the amount of {$2200.00}, XXXX XXXX XXXX for the amount of {$1200.00}, and XXXX XXXX XXXX for {$1000.00} Despite following all necessary steps and providing supporting documentation, the item was either not investigated properly or not corrected in accordance with the provisions set forth by the Fair Credit Reporting Act. 

As of XX/XX/XXXX, the credit bureau/creditor has failed to conduct a proper investigation, resulting in the continuation of inaccurate information on my credit report. This constitutes a violation of 15 U.S. Code 1681o, which holds parties accountable for failing to adhere to their obligations under the FCRA. 

I believe that the actions of XXXX and Equifax constitute negligence in the processing of my dispute, which has caused financial harm and reputational damage. The failure to address the inaccuracies within the prescribed time frame, as well as their inadequate response, is a clear violation of my rights under the FCRA.

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: 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 a victim of identity theft caused by the XXXX data breach, and several fraudulent accounts have been opened in my name. Pursuant to 15 U.S.C. 1681c-2 ( a ), I request the immediate blocking and removal of the following accounts from my credit report : XXXX. XXXX XXXX Account Number XXXX XXXX. XXXX XXXX Account Number XXXX XXXX. XXXX - Account Number - Account Number - XXXX XXXXXXXX XXXX XXXX  - Account Number - XXXX XXXX. XXXX XXXX - Account Number - XXXX I have contacted XXXX, XXXX and Transunion about this matter already and nothing has been done. I have enclosed copies of the necessary documentation, including proof of data breach and FTC Identity Theft Report. Under the FCRA, you are required to block and delete ANY reporting of information resulting FROM identity theft. within 4 business days. Please confirm in writing that these accounts have been blocked and removed PERMANENTLY.

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: 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: NY

Complaint narrative:
I am a victim of identity theft caused by the Equifax data breach, and several fraudulent accounts have been opened in my name. Pursuant to 15 U.S.C. 1681c-2 ( a ), I request the immediate blocking and removal of the following accounts from my credit report : XXXX. XXXX XXXX Account XXXX XXXX XXXX. XXXX XXXX Account Number XXXX XXXX. XXXX - Account Number - Account Number - XXXX XXXXXXXX XXXX XXXX  - Account Number - XXXX XXXX. XXXX XXXX - Account Number - XXXX I have contacted XXXX, Equifax and XXXX about this matter already and nothing has been done. I have enclosed copies of the necessary documentation, including proof of data breach and FTC Identity Theft Report. Under the FCRA, you are required to block and delete ANY reporting of information resulting FROM identity theft. within 4 business days. Please confirm in writing that these accounts have been blocked and removed PERMANENTLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ava Finance, Inc
State: MI

Complaint narrative:
Ava is attempting to continue to collect money from me even with me canceling their services due to ongoing fraud issues. Ava has reported several late payments to the consumer agencies based on deception. The money would be available for withdrawal but Ava states it isnt. I emailed their customer XXXX times about the incorrect reporting and have yet to get remedy. After noticing they purposely done this I canceled the services for fraud and they still continue to damage my credit and refused to refund my money although I paid into the service and it did not help me one bit. This company needs to be investigated.

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 — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

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: 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: PA

Complaint narrative:
I am writing to formally request an investigation into XXXX XXXX XXXX regarding account # XXXX. I require a complete Audit Trail of this account, as well as verification of the debt in accordance with Generally Accepted Accounting Principles ( GAAP ) and International Financial Reporting Standards ( IFRS ). Additionally, I request a copy of your Tax Registration certificate. 

Details of the Complaint : Inability or failure to substantiate the claim by XXXX XXXX XXXX will require the account # XXXX to be recorded as paid in full/settled, and the reporting of this account to all Credit Reporting Agencies and Data Furnishers must be eradicated immediately.

According to IRS guidelines, even if a Form 1099-C is not received, canceled debt must be reported as gross income. Additionally, the IRS defines a Charge Off as gross or ordinary income, which should not be reported on a consumer report. This renders XXXX 's reporting of this account inaccurate. 

Under 15 U.S. Code 1681s2, furnishers of information must provide accurate information to consumer reporting agencies. Therefore, I request proof of the 1099-C filed when account # XXXX was charged off/canceled.

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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to formally request an investigation into XXXX XXXX XXXX regarding account # XXXX. I require a complete Audit Trail of this account, as well as verification of the debt in accordance with Generally Accepted Accounting Principles ( GAAP ) and International Financial Reporting Standards ( IFRS ). Additionally, I request a copy of your Tax Registration certificate. 

Details of the Complaint : Inability or failure to substantiate the claim by XXXX XXXX XXXX will require the account # XXXX to be recorded as paid in full/settled, and the reporting of this account to all Credit Reporting Agencies and Data Furnishers must be eradicated immediately.

According to IRS guidelines, even if a Form 1099-C is not received, canceled debt must be reported as gross income. Additionally, the IRS defines a Charge Off as gross or ordinary income, which should not be reported on a consumer report. This renders XXXX 's reporting of this account inaccurate. 

Under 15 U.S. Code 1681s2, furnishers of information must provide accurate information to consumer reporting agencies. Therefore, I request proof of the 1099-C filed when account # XXXX was charged off/canceled.

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: 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 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 reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I was looking at my credit report and noticed that there were hard inquiries that are not mine on there.

Company response to consumer: Closed with explanation