vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 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: IL

Complaint narrative:
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.

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 2025-01-29 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: NC

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-01-29 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 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 sprite redness for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: FL

Complaint narrative:
PLEASE BLOCK AND REMOVE 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: FL

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to XXXX XXXX, any billing mistake should be fixed and marked as paid on time.

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 2025-01-29 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: NC

Complaint narrative:
I have previously submitted complaints regarding inaccurate items on my credit report, yet no corrective action has been taken. I am once again requesting the removal of all negative and erroneous items from my report. 

If this matter is not addressed promptly, I will have no choice but to pursue legal action to seek compensation for the violations under applicable credit reporting laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
My payment was due in XXXX and my account was placed on automatic payments since I have opened the account. The auto payment did not post and XXXX did not notify me or provide me with any warning. I only knew my account was delinquent when I received a notice on my credit report that my account was past due. XXXX was not given any consent from me to remove my account from automatic payments. They have not corrected the error and also lowered my credit line

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
The payment history is reporting inaccurate. I paid on time and was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Contacted Experian to update/remove items and they did not

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 2025-01-29 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: Block, Inc.
State: MO

Complaint narrative:
Cash App ( Block, Inc. ) XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Formal Complaint and Demand for Compensation Due to Lost Funds To Whom It May Concern, I am writing to formally dispute the loss of my funds in the amount of {$1900.00}, which was sent via Cash App on XX/XX/XXXX, [ Year ], as documented in the attached transaction records. Despite my attempts to resolve this matter through your customer support, I have received no adequate solution or refund. 

Pursuant to 15 U.S.C. 1693 et seq. ( Electronic Fund Transfer Act EFTA ) and the Consumer Financial Protection Bureau ( CFPB ) regulations, Cash App is required to conduct a proper investigation and provide a resolution for unauthorized, erroneous, or failed transactions. Your failure to resolve this issue violates my rights under these federal protections. 

Furthermore, past legal actions against Cash App, including class-action lawsuits for failing to properly investigate disputed transactions, demonstrate a pattern of negligence and unfair business practices. If Cash App does not resolve this matter promptly, I will have no choice but to escalate my complaint through legal action, including filing complaints with the CFPB, Federal Trade Commission ( FTC ), and relevant state authorities. 

To resolve this issue, I demand the following : A full refund of {$1900.00} to my Cash App account or linked bank account. 
Compensation for any financial harm resulting from the lost funds, including overdraft fees, penalties, or missed payments. 
A written confirmation of corrective action taken to ensure similar issues do not occur in the future. 
If I do not receive a resolution within 14 days, I will take further legal action, including : Filing a CFPB complaint at www.consumerfinance.gov/complaint. 
Reporting this issue to the FTC at www.reportfraud.ftc.gov. 
Consulting an attorney for a lawsuit against Cash App based on violations of consumer protection laws. 
I expect a prompt and fair resolution to this matter. Please respond by [ Date : 14 days from today ] to avoid further legal consequences. 

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: LA

Complaint narrative:
I called Block , Inc on two different occasions due to my account being hacked twice for {$700.00} on XX/XX/XXXX and for {$700.00} on XX/XX/XXXX. Nothing has not been done or the money returned to me after being told on the phone call that the money would in-fact be returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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 am formally filing a complaint against XXXX for failing to conduct proper investigations into my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within XXXX hours, asserting the account 's accuracy without providing any evidence of a thorough investigation. 

This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which requires a reasonable investigation of disputes. Additionally, XXXX 's actions may contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. 

I respectfully request that the CFPB take appropriate action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

I have attached a photo.

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 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TN

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-01-29 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Please Remove all Fraudulent items as i have no knowledge of any of these accounts due to the Equifax data breach identity theft. All is being investigated by the FTC, According to FCRA XXXX this information must be blocked immediately until the investigationover. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CO

Complaint narrative:
Columbia Debt Recovery LLC has been repeatedly calling me regarding a debt, and their communication has become excessive and harassing. Despite my requests for them to stop, they continue to contact me multiple times a day, often at inconvenient hours, which feels intrusive and overwhelming. Under the Fair Debt Collection Practices Act ( FDCPA ), debt XXXX are prohibited from engaging in such behavior, including making excessive calls, using abusive language, or contacting consumers outside of reasonable hours ( XXXX XXXX XXXX XXXX XXXX. ). I am aware of my rights, including the right to request validation of the debt and to send a cease-and-desist letter to stop further communication. If Columbia Debt Recovery LLC continues to violate these laws, I will not hesitate to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) or seek legal action to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: TN

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX XXXX  against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-01-29 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: TN

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am XXXX XXXX ss XXXX XX/XX/year> XXXX XXXX XXXX XXXX, XXXX Ga XXXX Dear Experian XXXX XXXX XXXX XXXX Texas XXXX And XXXX And XXXX Credit card XXXX XXXX XXXX -original creditor XXXX XXXX XXXX XXXX  XX/XX/XXXX {$3100.00} information is not accurate and has not sent me any validation proof of debt Please delete this from my credit report immediately. I am a victim of identity breach and theft. 
Right to privacy 15 usc 1681 governs access to consumer credit report records and promotes accuracy Fairness and the privacy of personal information assembled by credit reporting.

My information was exposed by Data breach

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: NY

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter are not 100 % correct and I demand them to be investigated completely.

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 2025-01-29 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: Block, Inc.
State: MO

Complaint narrative:
Cash App ( Block, Inc. ) XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Formal Complaint and Demand for Compensation Due to Lost Funds To Whom It May Concern, I am writing to formally dispute the loss of my funds in the amount of {$1900.00}, which was sent via Cash App on XX/XX/XXXX, [ Year ], as documented in the attached transaction records. Despite my attempts to resolve this matter through your customer support, I have received no adequate solution or refund. 

Pursuant to 15 U.S.C. 1693 et seq. ( Electronic Fund Transfer Act EFTA ) and the Consumer Financial Protection Bureau ( CFPB ) regulations, Cash App is required to conduct a proper investigation and provide a resolution for unauthorized, erroneous, or failed transactions. Your failure to resolve this issue violates my rights under these federal protections. 

Furthermore, past legal actions against Cash App, including class-action lawsuits for failing to properly investigate disputed transactions, demonstrate a pattern of negligence and unfair business practices. If Cash App does not resolve this matter promptly, I will have no choice but to escalate my complaint through legal action, including filing complaints with the CFPB, Federal Trade Commission ( FTC ), and relevant state authorities. 

To resolve this issue, I demand the following : A full refund of {$1900.00} to my Cash App account or linked bank account. 
Compensation for any financial harm resulting from the lost funds, including overdraft fees, penalties, or missed payments. 
A written confirmation of corrective action taken to ensure similar issues do not occur in the future. 
If I do not receive a resolution within 14 days, I will take further legal action, including : Filing a CFPB complaint at www.consumerfinance.gov/complaint. 
Reporting this issue to the FTC at www.reportfraud.ftc.gov. 
Consulting an attorney for a lawsuit against Cash App based on violations of consumer protection laws. 
I expect a prompt and fair resolution to this matter. Please respond by [ Date : 14 days from today ] to avoid further legal consequences. 

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Linebarger Goggan Blair & Sampson LLP
State: FL

Complaint narrative:
I received a letter from an alleged attorney trying to coerce me into paying an alleged debt. They are attempting to collect on older court cases in XXXX XXXX, Florida. Nowhere on the Notice does it state theyre attempting to collect a debt using the proper verbiage required of a debt collector under the FDCPA. This is a blatant violation of the FDCPA. There are multiple cases dating back to XXXX, XXXX, XXXX, and XXXX, all ending in XXXX. However, the case number provided by them on the letter that theyre attempting to use is dated XXXX. Linebarger Goggan Blair & Sampson , LLP are also acting ultra vires as the practice of law can not be licensed by any state, Schwarzenegger v. Board of Examiners, 353 U.S. 238, 239. The practice of law is an occupation of right, Sims v Ahrens, 271 S.W. 720 ( 1925 ).

Company response to consumer: Closed with explanation