vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I am writing to formally report that I have been a victim of identity theft, resulting in the unauthorized use of my Social Security number and other personal information to apply for various accounts and services without my knowledge or consent. This has caused significant financial and emotional distress, and I am seeking your assistance to address this matter. 

The breaches of my personal information occurred due to multiple incidents, including : XXXX : My identity and personal information were leaked through their platform. 
Local Hospital : My information was compromised through a breach or mishandling at my local hospital. 
Employer : My personal data was leaked while I was employed, putting my financial security at risk. 
Social Security Administration : Alarmingly, my personal information appears to have been mishandled or exposed through the SSA. 
These breaches have enabled unauthorized parties to misuse my Social Security number and other personal details, causing harm to my credit and overall financial stability. As a result, I have had to spend considerable time and resources to dispute fraudulent charges and secure my accounts. 

I am requesting the CFPBs guidance and support in the following areas : Assistance with protecting my financial accounts and ensuring that fraudulent applications or accounts are resolved. 
Advice on pursuing any accountability from the entities responsible for the breaches of my personal information. 
Steps I should take to further mitigate the risks of identity theft and unauthorized access to my personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Spring Oaks Capital, LLC
State: MI

Complaint narrative:
I am writing to formally report that I have been a victim of identity theft, resulting in the unauthorized use of my Social Security number and other personal information to apply for various accounts and services without my knowledge or consent. This has caused significant financial and emotional distress, and I am seeking your assistance to address this matter. 

The breaches of my personal information occurred due to multiple incidents, including : XXXX : My identity and personal information were leaked through their platform. 
Local Hospital : My information was compromised through a breach or mishandling at my local hospital. 
Employer : My personal data was leaked while I was employed, putting my financial security at risk. 
Social Security Administration : Alarmingly, my personal information appears to have been mishandled or exposed through the SSA.

These breaches have enabled unauthorized parties to misuse my Social Security number and other personal details, causing harm to my credit and overall financial stability. As a result, I have had to spend considerable time and resources to dispute fraudulent charges and secure my accounts. 

I am requesting the CFPBs guidance and support in the following areas : Assistance with protecting my financial accounts and ensuring that fraudulent applications or accounts are resolved. 
Advice on pursuing any accountability from the entities responsible for the breaches of my personal information. 
Steps I should take to further mitigate the risks of identity theft and unauthorized access to my personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Different lenders use different credit scores to evaluate the credibility of potential consumer to purchase anything. There is no clear information provided by XXXX XXXX and XXXX XXXX XXXXXXXX to know how XXXX score is determined. I have no public collections, no public records, only XXXX late payment on my account and my XXXX score XXXX is XXXX and XXXX score XXXX used by XXXX and TRANSUNION IS XXXX which impedes my credibility to lend anything from lenders. Lenders can only lend me at higher interest rates ; I assume that this XXXX XXXX discrepancy bars a consumer to lend anything and further impedes their credibility ; which is a violation of consumer right. I wish to know how XXXX and XXXX score XXXX is calculated and why there is XXXX points of difference between my vantage score and XXXX SCORE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

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

Additionally, their dispute resolution process was both unfair and deceptive, as they failed to adhere to error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These violations have caused me considerable inconvenience and financial loss, and I am seeking appropriate resolution for these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There has been a collection on my credit report for quite some time, reported by Experian with a balance of {$1.00}. This collection account began reporting on XX/XX/XXXX, but I was unaware of its existence. Upon learning about it, I took the necessary steps to address the matter. 

On XX/XX/XXXX, I contacted the original creditor, XXXX, XXXX inquire about the debt. I was informed that there was no debt to settle and was instructed to submit an online request for a paid in full letter. On XX/XX/XXXX, I received this letter, which confirmed that the account was fully paid off as of XX/XX/XXXX. Furthermore, the letter states : Our records indicate that your account was placed paid in full, with no outstanding balance due. Our records indicate that your account was placed in a paid in full status on XX/XX/XXXX. We have also requested deletion of your account with credit bureaus to which we report information. 

I immediately submitted a dispute to Experian on XX/XX/XXXX, attaching the paid in full letter from XXXX as evidence. Despite this clear documentation, Experian returned the dispute stating that no changes would be made to the account. 

Following this, I called Experian and explained the issue directly to a representative. I reiterated that I provided a letter from the original creditor verifying that the account was paid in full and confirming that XXXX had requested the deletion of the account. Despite this, Experian upheld their decision to make no changes to the account. 

This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to report accurate and verifiable information. Experian failed to investigate properly and ignored the original creditors request to delete the account. This incorrect reporting is unfairly impacting my XXXX XXXX and ability to secure favorable loan terms. I am requesting immediate resolution to ensure this account is deleted as instructed by XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MD

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 said violations and struggles it has caused

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

Complaint narrative:
I am filing a complaint againt 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 insignificant inconvenience qnd financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Dear Equifax : Thank you for taking my complaint Re Request for deletion XXXX Bank charge off XXXX for failure to investigate properly History XXXX. On or about XX/XX/XXXX. XXXX I requested an investigation on my account specifically the XXXX charge offs. I only have XXXX charge offs so theyre not difficult to find. I reported inaccuracies on these XXXX charge offs. 

XXXX. After patiently waiting, I was told that the investigation was complete however the inaccuracies for the XXXX charge offs remain XXXX Because the inaccuracies remained, I requested a more thorough investigation that involved more than just asking the data furnishers since the inaccuracies were created by the data furnishers in the first place XXXX On XX/XX/XXXX Equifax informed me of their so-called completed investigation, which merely involve the so-called data furnishers once again XXXX Because the investigation was not thorough like I had requested. I still have inaccurate information on my credit report that was not corrected. 

If the credit reporting agency determines that the disputed information is inaccurate, incomplete, or can not be verified, the credit reporting agency must promptly delete the disputed information from the consumers credit report or modify the disputed information as appropriate XXXX 15 U.S.C 1681 provides that I am entitled to a through investigation and that the inaccuracies must be corrected or promptly deleted XXXX Equifax did not correct nor delete the incorrect information associated with the XXXX charge offs and therefore I am requesting an immediate deletion XXXX I will submit a new complaint for each inaccurate information on my account that was not deleted nor corrected XXXX The item that needs to be deleted because of inaccurate information is the charge account from XXXX Bank account ending in XXXX XXXX The inaccurate information for the XXXX Bank charge off is : XXXX A wrong year of birth that XXXX Bank has been informed of on XXXX different occasions. XXXX Bank and Equifax have also been provided with my drivers license. XXXX Bank suggest that this is not my account and will not allow me to access it leading to confusion. The year of birth on my XXXX Bank account and my Equifax do not correspond XXXX The date of last activity for the same account is not consistent through all the credit reporting agencies XXXX. I have provided another copy of my drivers license and Social Security card with this complaint. 

XXXX This account being reported has caused me damage and loss and a significant amount of wasted time. Please removed the XXXX Bank charge off immediately. 

Thank you for your time Sincerely XXXX XXXX

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

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

Furthermore, their dispute resolution 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 compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have requested in writing the XXXX for the charge off account XXXX  for {$9100.00}. The bank has written off the debt and still report the account on my credit file and are requesting payment. The bank has taken a write off on this account and is refusing to issue the XXXX for the XXXX account for {$8100.00}. The balance should reflect {$0.00} and be closed. under the fair credit report act the bank can't be reporting the account balance {$9100.00}, nor refuse to issue me a XXXX for the charge off of the debt. 


XXXX is to issue me the XXXX for the charge off of the debt and reflect {$0.00} onmy credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-17 00:00:00
Product: 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
On XX/XX/year> my Credit Repair Company XXXX XXXX XXXX XXXX  sent XXXX dispute letters to Transunion to the following companies : XXXX. XXXX XXXX XXXX. 
XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion never responded with information requested concerning my Credit Report with the Company nor me, but instead sent me a letter mailed on XX/XX/year> explaining I could file disputes without a Credit Repair Company to save money and wanted me to Start a New Dispute. I have attached the letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MEI AUTO FINANCE INC
State: TX

Complaint narrative:
I am writing to formally dispute an entry on my credit report pertaining to an account with a {$0.00} balance. The account in question is inaccurately listed as a voluntary surrender, even though it has been paid in full and carries no outstanding balance. I kindly request the complete removal of this erroneous entry from my credit report. 

It has come to my attention that the inaccurate reporting of this account as a voluntary surrender with a {$0.00} balance is adversely affecting my credit score and financial well-being. This erroneous information is not only misleading but has the potential to hinder my ability to access credit and financial services when I need them most. 

I understand the importance of accurate and up-to-date credit reporting and its impact on my financial life. Therefore, I earnestly request your immediate attention to this matter and a swift resolution, resulting in the complete removal of the erroneous entry. 

I appreciate your prompt response to this dispute and request that you provide me with written confirmation of the removal of this entry once the investigation has been completed. 

Thank you for your cooperation in resolving this matter and ensuring the accuracy of 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 2025-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Subject : Request for Immediate Removal of Fraudulent Account Information due to Identity Theft I am writing to formally notify you that I am a victim of aggravated identity theft, and to request the immediate removal of inaccurate information from my credit file, the account associated with Court Case # XXXX XXXX XXXX XXXX XXXX XXXX does not belong to me, and the information being reported is false. 

The reported account refers to an address at XXXX XXXX XXXX XXXX XXXX, XXXX, AZ, XXXX, which I have never resided at nor have any association with. This discrepancy stems from the TransUnion data breach and is directly related to fraudulent activity, which has resulted in the creation of this false account under my name. I have never had any business or personal ties to the aforementioned property, and I believe that this issue arose due to identity theft facilitated by the breach of sensitive information. 


The inaccurate reporting of this account is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and should be addressed immediately. Specifically, I request the removal of all information related to this case and the listed property, as it does not pertain to my identity.

As per 18 USC 1028A, aggravated identity theft is a crime, and under 15 U.S. Code 1681c-2, you are required to block any information that results from identity theft, including public records, from being reported on my file. Since this account is the result of fraud, I urge you to comply with the statutory timeline to block this information from my TransUnion/XXXX  housing report, as it is inaccurate and does not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of 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 that tracking 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 2025-01-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing a complaint against Capital One regarding the deceptive practices related to their XXXX " high yield interest '' savings accounts. Capital One misrepresented the XXXX Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the XXXX XXXX Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.

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

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

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

Complaint narrative:
I am filing a complaint against cash app ( Block , Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Finanicial Protection Act ( CFPA ). Specifically, Cash app has 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 Regulations E. These actions have significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation