vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
I am filing a complaint against Cash App XXXX Block Inc ) due to inadequate customer service and unfair practices, which violates 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 2025-01-30 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: TX

Complaint narrative:
for the past 8 years I have been a victim of XXXX XXXX please see attached documents I have uploaded.

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 2025-01-30 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: SC

Complaint narrative:
I have identified accounts and inquiries listed on my credit report that I did not authorize or provide written consent for. This is a total breach of privacy and trust when it comes to consumer reporting. According to 15 U.S.C. 1681b ( f ) : A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury, or ( 2 ) in accordance with the written instructions of the consumer to whom it relates, or ( 3 ) to a person which it has reason to believe intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ... '' I assert that I never provided written consent for you or these entities to obtain or furnish my credit information. As such, I request an immediate investigation into these matters. If it is determined that these accounts and inquiries were unauthorized, please remove them from my credit report without delay. 15 USC 1681a3 Additionally, please provide written confirmation with who completed the investigation and what verification method was used to verify accounts.

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 2025-01-30 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: SC

Complaint narrative:
I have identified accounts and inquiries listed on my credit report that I did not authorize or provide written consent for. This is a total breach of privacy and trust when it comes to consumer reporting. According to XXXX U.S.C. 1681b ( f ) : A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury, or ( 2 ) in accordance with the written instructions of the consumer to whom it relates, or ( 3 ) to a person which it has reason to believe intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ... '' I assert that I never provided written consent for you or these entities to obtain or furnish my credit information. As such, I request an immediate investigation into these matters. If it is determined that these accounts and inquiries were unauthorized, please remove them from my credit report without delay. 15 USC 1681a3 Additionally, please provide written confirmation with who completed the investigation and what verification method was used to verify accounts.

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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing a formal complaint against Transunion for violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, by reporting inaccurate and misleading information on my credit report. I am distressed by this damaging information on my credit report and I can no longer be compliant with fraud. 

Transunion is currently reporting that I owe a balance of {$1400.00} to XXXX XXXX XXXX  XXXX but this is false and misleading. I received an IRS Form 1099-C ( Cancellation of Debt ) for {$1000.00}, which indicates that a portion of this debt was legally canceled and must be reported as taxable income. Under IRS regulations, a canceled debt is no longer owed, and creditors can not continue to attempt collection or report it as an outstanding balance. 
1. Failure to Report Accurate Information ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) XXXX is knowingly reporting an inaccurate balance, despite the fact that part of the debt was canceled. 

2. Failure to Properly Investigate ( 15 U.S.C. 1681s-2 ( b ) ) I previously disputed this account with Transunion and asked them to validate this debt properly, yet they failed to correct the information. 

2. Furnishing Incomplete or Misleading Information The reported balance does not reflect the canceled debt, misleading potential lenders and harming my creditworthiness. 

Attached to this complaint are : 1. A copy of my Transunion credit report showing the inaccurate balance. 
2. A copy of the 1099-C form from XXXX XXXX XXXX confirming cancellation . 
3. A copy of my previous dispute letter to Transunion and their inadequate response. 

I urge the CFPB to investigate Transunions noncompliance and hold them accountable for violating the FCRA. Please confirm receipt of this complaint and provide updates on your findings.

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 card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: KY

Complaint narrative:
On XXXX XXXXXX/XX/year>, I called and got my payoff amount for this card. I paid it in full that day and closed my account. Afterwards, Comenity had charged me a late fee after the fact which I refuse to pay. They charge monthly late fees on the late fee. I have informed them to cease contacting me and reporting this wrong information. If they believe they have a claim, they can sue me in my local XXXX XXXX. Otherwise, delete me from their files.

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 service problem — 
Company: Block, Inc.
State: MO

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 XXXX financial loss, and I seek appropriate redress on for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-01-30 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: IL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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:
I am filing a formal complaint against Equifax for violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, by reporting inaccurate and misleading information on my credit report. I am distressed by this damaging information on my credit report. 

Equifax is currently reporting that I owe a balance of {$1400.00} to XXXX XXXX XXXX XXXX XXXXut this is false and misleading. I received an IRS Form 1099-C ( Cancellation of Debt ) for {$1000.00}, which indicates that a portion of this debt was legally canceled and must be reported as taxable income. Under IRS regulations, a canceled debt is no longer owed, and creditors can not continue to attempt collection or report it as an outstanding balance. 
1. Failure to Report Accurate Information ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) Equifax is knowingly reporting an inaccurate balance, despite the fact that part of the debt was canceled.

2. Failure to Properly Investigate ( 15 U.S.C. 1681s-2 ( b ) ) I previously disputed this account with Equifax and asked them to validate this debt properly, yet they failed to correct the information. 

XXXX. Furnishing Incomplete or Misleading Information The reported balance does not reflect the canceled debt, misleading potential lenders and harming my creditworthiness. 

Attached to this complaint are : 1. A copy of my Equifax credit report showing the inaccurate balance. 
2. A copy of the 1099-C form from XXXX XXXX XXXX confirming cancellation . 
3. A copy of my previous dispute letter to Equifax and their inadequate response. 

I urge the CFPB to investigate Equifax 's noncompliance and hold them accountable for violating the FCRA. Please confirm receipt of this complaint and provide updates on your findings.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am reaching out with serious concern regarding inaccuracies on my credit report. I have repeatedly noticed accounts, transactions, and other items that do not belong to me, which has been extremely frustrating and distressing. This incorrect information is not only misleading but is also affecting my financial standing.

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 — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I am writing to formally request immediate action regarding a serious issue with my XXXX  account. Someone gained unauthorized access to both my phone and XXXX  account and sent {$2000.00} to an account I have no connection to. Despite my repeated efforts to resolve this, XXXX  has refused to properly investigate the matter or unfreeze my account. 

I have attempted to discuss this over the phone, but I have been met with unhelpful and dismissive responses from your support team, which is completely unacceptable. As a customer who has been the victim of fraud, I expect a fair and thorough review of this case. I am requesting the following actions be taken immediately : 1. A full investigation into the unauthorized transaction, including a review of IP addresses and device activity.

2. The unfreezing of my account, which has been unfairly restricted.

3. A written explanation for the denial of my prior requests.

If this issue is not addressed promptly, I will have no choice but to escalate my complaint to consumer protection agencies, my financial institution, and, if necessary, legal authorities. Please respond as soon as possible with a resolution. 

I appreciate your immediate attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I noticed fraudulent chsrges on my credit card. I had to wait until after XX/XX/XXXX to file the claim because I had an XXXX payment transaction for XX/XX/XXXX. There were XXXX of fraudulent charges placed on my credit card. On XXXX there was a fraudulent charge at XXXX XXXX for {$81.00} that I did not make. Another fraudulent charge occurred on XX/XX/XXXX at XXXX XXXX XXXX XXXX for {$170.00}. My husband was prepping for his colonoscopy on XX/XX/XXXX and in solidarity I did not eat with him. There is no way that we would have charged {$170.00} at a XXXX restaurant the day before a colonoscopy. On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and possibly other times there is charges for XXXX which is a vending machine and I have been changed {$2.00} for items I did not purchase. 
I filed a claim with Bank of America and was denied-they stated that we confirmed that the location of the charges was a location you have previously visited for similar charges this is outrageous. Because I go out and eat a lot, they refuse to acknowledge the fraud charges. I have been a loyal Bank of America customer for decades and cant remember the las time I had to file a fraud claim. I want Bank of America to rectify this issue and issue me my fraud credit.

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 monetary relief
Consumer complaint received 2025-01-30 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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: UPGRADE, INC.
State: KY

Complaint narrative:
Dispute the debt associated with and reportedly sold by upgrade to XXXX XXXX XXXX, with a stated balance of { $ XXXX request validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692g. Specifically, I am requesting : 1. Proof of Debt Ownership : Documentation proving that XXXX XXXX XXXX has the legal right to collect this debt. 2. Complete Payment History : A detailed breakdown of the debt, including the original contract, and any fees or interest that have been added. 3. Verification of Accuracy : Proof that the amount claimed is accurate and consistent with what was originally owed. Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I request that this debt be removed from my credit report if it can not be properly validated. The presence of an unverifiable or inaccurately reported debt could be considered a violation of my rights under the FCRA. I am currently experiencing significant financial hardship and am unable to repay this debt. As such, I am also invoking my rights under the FDCPA, specifically 15 U.S.C. 1692c, to request that all communication regarding this debt cease immediately. Continuous attempts to collect this debt only serve to exacerbate my financial situation and could be deemed as harassment. If XXXX XXXX XXXX is unable to validate this debt in full compliance with federal laws, I respectfully request that this debt be removed from my credit report and that all collection activities cease. Failure to comply with these legal requirements may result in further action on my part, including filing complaints with the appropriate regulatory agencies.

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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding inaccurate collection accounts that have been reported on my credit file by all three major credit bureausExperian, XXXX, and XXXX. These accounts do not belong to me, and despite multiple disputes, the credit bureaus continue to verify them as accurate without providing proper validation. 

Details of the Issue : The credit bureaus are reporting collection accounts that are not mine. 
I have disputed these accounts multiple times, yet they remain on my report as verified without sufficient proof of their legitimacy. 
I have requested that the bureaus provide documentation showing that these accounts are valid and belong to me, but I have not received any adequate response. 
These inaccuracies are negatively impacting my credit score and financial standing. 

Actions Taken by Me : I formally disputed these accounts with Experian, XXXX, and XXXX. 
I requested verification and supporting documentation for these accounts. 
Despite my disputes, the bureaus continue to report the collections as accurate without proper validation. 

Requested Resolution : I request a thorough investigation into these accounts. 
If the bureaus can not provide proper documentation proving that these accounts belong to me, they should be immediately removed from my credit reports. 
I request that the credit bureaus comply with the Fair Credit Reporting Act ( FCRA ) and provide a clear explanation of their verification process. 

This matter is urgent as it is affecting my financial opportunities. I expect a timely resolution in compliance with federal consumer protection laws. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation