vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-19 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: IL

Complaint narrative:
As of XX/XX/2025 Ive contacted XXXX at XXXX I spoke with a live rep by the name of XXXX about not having access to my online portal with XXXX however its saying my account is suspended when it shouldnt be, yesterday XX/XX/2025 it says my fraud alert was placed back on and back off without my consent it shouldnt have been placed back onto my account without me doing so. However I was trying to dispute an account that shouldnt be on my credit report XXXX XXXX its repeating an amount of {$110.00} as of mortgage / rent I do not pay mortgage and I didnt report any lease of no kind for rent services with XXXX. I do have a XXXX  account but its a credit builder account thats it. This new account ruined my credit worthiness Ive dropped over XXXX with XXXX and XXXX with Equifax and XXXX due to this error. I asked that it be investigated and removed from my credit report immediately. Equifax and XXXX are currently being sued due to not investigating, and reporting errors on consumer reports. This has caused me mental and physical stress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-19 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
As of XX/XX/year> Ive contacted XXXX at XXXX I spoke with a live rep by the name of XXXX about not having access to my online portal with XXXX however its saying my account is suspended when it shouldnt be, yesterday XX/XX/year> it says my fraud alert was placed back on and back off without my consent it shouldnt have been placed back onto my account without me doing so. However I was trying to dispute an account that shouldnt be on my credit report XXXX XXXX its repeating an amount of {$110.00} as of mortgage / rent I do not pay mortgage and I didnt report any lease of no kind for rent services with XXXX. I do have a XXXX  account but its a credit builder account thats it. This new account ruined my credit worthiness Ive dropped over XXXX with Experian and XXXX with XXXX and XXXX due to this error. I asked that it be investigated and removed from my credit report immediately. XXXX and Experian are currently being sued due to not investigating, and reporting errors on consumer reports. This has caused me mental and physical stress.

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 2025-01-19 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: AL

Complaint narrative:
Experian has 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. The Consumer Financial Protection Bureau ( CFPB ) has recently failed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnisher, accepting unreliable responses, and failing to adequately noticonsumer of dispute outcome. These failures align with my experience, where Experian 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 Experian 's inaction violates federal law and my rights as a consumer.

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 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

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 These actions have caused significant inconvenience ands : financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing a formal complaint against TransUnion for inaccurately reporting late payments on my credit report. The details of the accounts and errors are as follows : Account Name : XXXX  Account Number : XXXX Dates of Alleged Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Account Name : XXXX XXXX Account Number : XXXX Dates of Alleged Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX These late payments are inaccurate and have caused significant harm to my creditworthiness. I previously disputed these errors in a letter sent to TransUnion on XX/XX/XXXX, which is attached to this complaint and includes a date and time stamp. Despite this, TransUnion has failed to conduct a proper investigation or provide accurate results. 

This failure aligns with the recent CFPB and FTC actions against TransUnion for illegal practices related to credit reporting. According to the CFPB, TransUnion has a history of failing to ensure the accuracy of information on consumer reports, resulting in harm to consumers. 

Under 15 U.S. Code 1681i, TransUnion is obligated to thoroughly investigate disputed information and ensure its accuracy. Their failure to do so in this case violates the Fair Credit Reporting Act ( FCRA ) and has caused financial harm and emotional distress. 

I have attached the dispute letter, along with documentation supporting my claim, including account details and evidence of inaccuracies. I demand the immediate removal of these late payments and that the accounts be updated to reflect the correct status. Additionally, I request written confirmation of these updates.

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: Block, Inc.
State: KY

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 fraud 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: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CL Holdings LLC
State: TX

Complaint narrative:
Sent documentation showing that it was not my debt, and asked for valid proof and never receivedit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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:
Block, lnc. ) 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 funrthermore 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 registration e the 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 2025-01-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I recieved a {$500.00} AMEX virtual gift card with a {$500.00} balance, and I can not use this card anywhere. Checked the balance online and you can see all the declined transactions that wont go through,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
Dear CFPB, I am writing to formally file a complaint against TitleMax regarding the unauthorized refinancing of my title loan. 
I discovered that TitleMax had refinanced my title loan without my consent. I did not agree to any terms or conditions related to this refinancing, nor did I receive any prior notification about it. This action has caused me significant concern and confusion, as it appears to be a violation of my rights as a consumer. This was over {$1200.00} Despite my attempts to resolve this issue directly with TitleMax, I have not received a satisfactory response or resolution. 
I am seeking compensation for this error and would like the CFPB to investigate this matter further. I believe this situation not only affects me but may also impact other consumers who may be subject to similar practices. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AZ

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 2025-01-19 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:
Specifically Cash App failed to take timely and effective measures to prevent 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. 
Those actions have caused significant inconveniences. And I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
fraudulent credit card account was opened without my knowledge or authorization

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: DigniFi
State: TX

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXXXXXX )/ XXXX XXXX XXXXXXXX XXXX for failing to address fraudulent activity involving an account opened in my name without my authorization. In XXXX, I discovered that an auto loan account was fraudulently opened through Dignifi at a car dealership using my Social Security number, drivers license, and other personal information, which were compromised in the XXXX data breach. 

The fraudulent account details are as follows : Account Type : Line of credit Account Number : [ XXXX ] Date Opened : XX/XX/XXXX Balance : {$3600.00} This account was opened through XXXX XXXX in XXXX, KS. XXXX allowed an individual to use my stolen information to apply for and receive credit online without verifying their identity, proof of identification, or my consent. Despite my repeated attempts to have this fraudulent account removed from XXXX system and from all reporting agencies to which they furnished the information, XXXX has refused to take corrective action. 

I provided an FTC Identity Theft Report ( # XXXX ) and police report ( HPD Case # XXXX ) as evidence of fraud. I also submitted multiple disputes with Dignifi and the credit reporting agencies ( XXXX, XXXX, and XXXX ), yet the account and inquiries remain on my credit report, and my name is still associated with this fraudulent account in XXXX system. 

I contacted XXXX to dispute this account and provided an FTC Identity Theft Report ( # XXXX ) and police report ( HPD Case # XXXX ) as evidence of fraud. Despite this, Dignifi has refused to close the fraudulent account or remove it from my credit report. They have also failed to provide any proof that I authorized the account, such as a signed application or verified personal information. 

Filed an FTC Identity Theft Report and police report to document the fraud. 
Contacted Dignifi multiple times ( e.g., over the XXXX XXXX years ) most recently XXXX, XXXX, XXXX of XXXX to dispute the account and request its closure. 

Submitted supporting documentation, including proof of identity theft and correspondence with the dealership. 
Disputed the account with credit bureaus, which temporarily removed it but failed to prevent its reappearance. 
The fraudulent account has caused ongoing emotional and financial harm : My credit score has been negatively affected by this fraudulent account and associated inquiries. 
I have incurred additional costs for credit monitoring and dispute handling. 
The unresolved issue has caused significant distress, requiring constant monitoring of my credit and repeated disputes across various credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: TX

Complaint narrative:
These problems with the reporting accounts started back in XX/XX/XXXX where I disputed these accounts with all XXXX credit bureaus. This led me to file a report regarding Identity Theft. I understand that TransUnion has not verified and validated information from disputed accounts. I am asking that all information in dispute be removed from my credit report. The bureaus have not removed the listed accounts or personal information, also under the 605 ( b ) FCRA the bureaus had only 4 days to correct these errors. These are the accounts previously disputed with TransUnion. 

XXXX XXXX Acct XXXX XXXX  XX/XX/XXXX {$400.00} XXXX XXXX XXXX  Acct XXXX Start XX/XX/XXXX {$930.00} XXXX XXXX XXXX Acct XXXX XXXX XXXXXX/XX/XXXX {$430.00} XXXX, XXXX XXXXXXXX XXXX  XX/XX/XXXX {$910.00} XXXX XXXX XXXX XXXX Acct XXXX XX/XX/XXXX {$1400.00} XXXX Acct XXXX Start XX/XX/XXXX {$9600.00} Incorrect names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-19 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: LA

Complaint narrative:
I am writing to formally report inaccuracies in my credit reports from all three major credit bureaus. Because of my attempts to fix these issues since XX/XX/year>, nothing has been done to address the discrepancies. 

Specifically, there are multiple inaccuracies, including but not limited to : Evictions : Incorrect or outdated information that does not reflect my actual rental history is being reported. 
Repossessions : Accounts are being inaccurately reported, either as repossessions that did not occur or with incorrect details about the accounts. 
I have made several efforts to dispute these errors directly with the credit bureaus, providing documentation to support my claims, yet the information remains unchanged. This inaccurate reporting has significantly impacted my financial well-being and access to credit. 

I am requesting the CFPBs assistance in ensuring the credit bureaus investigate and correct these errors in compliance with the Fair Credit Reporting Act ( FCRA ).

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 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
So for the Past 6 months or so. I've been trying to get credit report to check and dispute anything false. Due to Data Breaches such as XXXX, XXXX XXXX, XXXX, & CashApp/Block. However site keeps saying I've check it and to wait 7 day to check again. So I've called and was told the same thing. But they would send it to me. I haven't received it. So I keep trying to get in. Then today it ID check me as if i was on my way it says can not send code, so im to call in or request by mail. XXXX like, they really don't want me to check it or somebody else 's phone number is attached and they're blocking mine. This is the same thing i get trying to get into my profile too. But it dawned on me! They don't want me in to dispute inaccuracies or claim my due process for Data breaches. Which my identity has been frauded & my personal information definitely stolen and sold. I'd hate to say believe it's a XXXX motivated practice by TRANSUNION, & XXXX. I have no other choice to believe this. And I won't make up excuses for them. It's wrong what they've done. This practice impacts thousands of lives. Especially the people with darker skintones.

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 2025-01-19 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: TN

Complaint narrative:
I am writing to formally express my concerns 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 discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and the trafficking 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 consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I applied for a Capital One XXXX XXXX card. The website terms offer a bonus of XXXX miles for a minimum of {$500.00} in spend in the first 3 months within opening. I met the terms and was then informed that the bonus, as marketed in clear language on the card 's associated website and upon application submission, is variably adjusted and awarded, based on the consumer 's credit score. 

In my case, they claim that their system determined that I would not qualify for any bonus at all *after* my application was submitted and approved. This is supposedly a part of their terms ( i.e. buried in their voluminous legalese ) but, as far as I'm concerned, the bonus offer constitutes a form of deceptive marketing intended to induce a customer into applying for a credit card under false pretenses. 

I have also been a customer of both XXXX and XXXX XXXX and both banks will clearly communicate to the customer when and why a bonus offer will not be applicable before final submission of a credit card application.

Company response to consumer: Closed with explanation