vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-21 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: NY

Complaint narrative:
Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts, unresolved. The consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to foward consumer - provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. 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 consumers

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: WA

Complaint narrative:
I am filing a complaint against cash app ( Block. Inc ) due to inadequate customer service and unfair practice, which violates the consumer financial protection act ( CFPS ). Specifically Cash App failed to take timely and effective measures to prevent an 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 air resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss and I am seeking appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I recently looked at my credit report and noticed a few things weren't correct on my account. This account is hurting my ability to purchase a home. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify and confirm as accurate. 


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 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction 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 process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On and for the record, the debt owed to XXXX  XXXX in regard to the financed automobile has been settled as evidenced by IRS acceptance of my 1099A filing on XX/XX/year> as well as XXXX XXXX  receipt of the Original Contract with special stamp and endorsement in accordance with 31 CFR 328.6 which legally converted the Contract/Security into a marketable security for discharge of the debt. Due to this fact, I am now excersing all Rights as the Holder in Due Course and i have filed a UCC1 Lien on the financed property further evidencing that this debt has been settled and that I am now the legal owner of the financed automobile. 

Based on the facts above, I am hereby demanding that XXXXXXXX XXXX XXXX account on my credit report be updated to a XXXX balance PAID AS AGREED. Due to the fact that this debt has already been tendered through the IRS via XXXX, XXXX XXXX XXXX XXXX can no longer exercise rights as Holder in Due Course. 

According to page 129 of XXXX XXXX 's Prospectus form, the Holder-in-Due-Course rule of the Federal Trade Commission ( the HDC Rule ) has the effect of subjecting any assignee of the sellers in a consumer credit transaction, and related creditors and their assignees, to all claims and defenses the obligor in the transaction could assert against the sellers. Liability under the HDC Rule is limited to the amounts paid by the obligor under the receivable, and the holder of the receivable may also be unable to collect any balance remaining due thereunder from the obligor. The HDC Rule is generally duplicated by the Uniform Consumer Credit Code, other state statutes or the common law in some states. However, liability of assignees for claims under state consumer protection laws may differ. Furthermore, According to UCC 3-302 ( e ) If ( i ) the person entitled to enforce an instrument has only a security interest in the instrument and ( ii ) the person obliged to pay the instrument has a defense, claim in recoupment, or claim to the instrument that may be asserted against the person who granted the security interest, the person entitled to enforce the instrument may assert rights as a holder in due course only to an amount payable under the instrument which, at the time of enforcement of the instrument, does not exceed the amount of the unpaid obligation secured. Since the debt has been paid in full according to the IRS, XXXX XXXX XXXX XXXX may not exercise any further rights under the Instrument ( s ) in question. 

Attached to this complaint is a copy of the 1099B I received after the IRS confirmed Acceptance of the 1099A and the debt was discharged as well as a copy of the UCC1 LIEN i have on the property

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On and for the record, the debt owed to XXXX XXXXXXXX in regard to the financed automobile has been settled as evidenced by IRS acceptance of my 1099A filing on XX/XX/year> as well as XXXX XXXX receipt of the Original Contract with special stamp and endorsement in accordance with 31 CFR 328.6 which legally converted the Contract/Security into a marketable security for discharge of the debt. Due to this fact, I am now excersing all Rights as the Holder in Due Course and i have filed a UCC1 Lien on the financed property further evidencing that this debt has been settled and that I am now the legal owner of the financed automobile. 

Based on the facts above, I am hereby demanding that XXXX XXXX XXXX account on my credit report be updated to a XXXX balance PAID AS AGREED. Due to the fact that this debt has already been tendered through the IRS via XXXX, XXXX XXXX XXXX XXXX can no longer exercise rights as Holder in Due Course. 

According to page 129 of XXXX XXXX 's Prospectus form, the Holder-in-Due-Course rule of the Federal Trade Commission ( the HDC Rule ) has the effect of subjecting any assignee of the sellers in a consumer credit transaction, and related creditors and their assignees, to all claims and defenses the obligor in the transaction could assert against the sellers. Liability under the HDC Rule is limited to the amounts paid by the obligor under the receivable, and the holder of the receivable may also be unable to collect any balance remaining due thereunder from the obligor. The HDC Rule is generally duplicated by the Uniform Consumer Credit Code, other state statutes or the common law in some states. However, liability of assignees for claims under state consumer protection laws may differ. Furthermore, According to UCC 3-302 ( e ) If ( i ) the person entitled to enforce an instrument has only a security interest in the instrument and ( ii ) the person obliged to pay the instrument has a defense, claim in recoupment, or claim to the instrument that may be asserted against the person who granted the security interest, the person entitled to enforce the instrument may assert rights as a holder in due course only to an amount payable under the instrument which, at the time of enforcement of the instrument, does not exceed the amount of the unpaid obligation secured. Since the debt has been paid in full according to the IRS, XXXX XXXX XXXX XXXX may not exercise any further rights under the Instrument ( s ) in question. 

Attached to this complaint is a copy of the 1099B I received after the IRS confirmed Acceptance of the 1099A and the debt was discharged as well as a copy of the UCC1 LIEN i have on the property

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: KS

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 those violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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 Zelles 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 that tracking these transactions was infeasible. The CFPBs 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 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing regarding the XXXX. XXXX XXXX account ( Account Number : XXXX ), which was recently verified in response to a dispute I submitted. Upon review, I believe this account may have negatively impacted my credit profile, and I am seeking clarification and resolution under applicable credit reporting laws. 

Under the Fair Credit Reporting Act ( FCRA ), I can request valid and verifiable information concerning this account. Specifically, I ask : Documentation or letters that confirm the accuracy, ownership, and legitimacy of this account. 
The method and process by which the account was verified. 
Suppose the requested information can not be provided under the FCRA. In that case, I kindly request that the account be removed from my credit report immediately, as it would otherwise constitute inaccurate or unverifiable reporting. 

Furthermore, I recently came across information regarding the CFPB 's lawsuit against Experian, which highlights the importance of maintaining accurate reporting standards. In light of this and my own experience, I trust that you will handle this matter with the utmost diligence. 

Please consider this letter a formal request for validation of the account. I expect a response within the timeframe specified under the FCRA, which is 30 days from receipt of this request. 

Thank you for your attention to this matter. I look forward to your prompt response.

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 2025-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: CO

Complaint narrative:
I referred two people ( XXXX XXXX and XXXX XXXX XXXX for checking accounts and they met the conditions for the referrals. 
On XX/XX/XXXX it showed in my account that I received one bonus but looking at my referral information, it showed that two bonuses were paid on my account. 
I chatted Chime on XX/XX/XXXX and they confirmed that both referrals are showing in my account and I just needed to give it more time. ( It just shows as an agent on the chat ) On XX/XX/XXXX I again contacted Chime for assistance and XXXX ( the agent ) confirmed that I was supposed to get two referral bonuses but that I would have to call and connect with a specialized team but that it would be applied manually I called XXXX and was connected to XXXX who kept looking at the wrong info and then hung up on me On XX/XX/XXXX I called XXXX and spoke with XXXX who said he wasnt sure why I wasnt getting the bonus and needed to speak to a supervisor. The supervisor said that I needed to talk to the referrers but the only requirement is getting a direct deposit which they had ( and they both had received their direct deposit and bonuses on XX/XX/XXXX ). 

Chime paid both referrers and indicated that I should have been paid with the referral info on my account and 2 representatives did confirm in writing via chat that I should have been paid 2x {$100.00} referrals on XX/XX/XXXX. Also I did not exceed 10 referrals in XXXX ( the XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
XXXX said I opened account on XXXX XXXX which was sent to collections for {$720.00} I have been with XXXX for 6 years. How can I have 2 collections on my account from XXXX both opened on XXXX XXXX. The other is {$880.00}. This is fraud not my debit. How can this come back verified.Not my address never stayed there. I know I didnt sign for for this. This needs to be investigated again cause there is no way I signed up for 2 accounts on the same day and I already had a cellular company. I have frozen my credit as a result of this.somethings not right here.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian has failed to fulfill it's legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Bureau ( CFBP ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnisher, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. 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 2025-01-21 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: TN

Complaint narrative:
I have filed several complaints with the CFPB against Experian concerning them improperly reinserting inaccurate information on my credit report and the failure of properly conducting or addressing my consumer dispute. XXXX XXXX  and XXXX XXXX are the items that I have been direct affected by. These items were reinserted back on my consumer report in XX/XX/year> without any notice via mail or email. I have submitted several disputes directly with Experian to receive an email response stating that " Experian will not reinvestigate my dispute '' even when I provided them with new information for the dispute. This issue has been going on with Experian for almost 5 years. Experian is in direct violation of FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), ( C ), 1681e ( b ) and CFPA 12 U.S.C. 5536 ( a ) ( 1 ) ( a ) - ( b ), 5564 and 5565. Please see attached previous CFPB complaint # XXXX, Experian dispute letter, Police Report, and proof of items were received by Experian.

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 2025-01-21 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: NJ

Complaint narrative:
Dear EQUIFAX, I hope this message finds you well. I am reaching out to request specific information regarding one of the accounts listed on my credit report. At this time, I am not disputing the account but would like clarification on certain details to ensure the information is fully accurate. 

Account Information : Creditor Name / Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting that you provide the following details for this account : 1. The Date of First Delinquency 2. The Date of Last Payment 3. The Date of Charge-Off Having access to this information is essential for my personal record-keeping and financial planning. I appreciate your help in providing these details as soon as possible. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance regarding an urgent matter related to my credit report. I have recently discovered 14 hard inquiries on my credit report that were not authorized by me and appear to be the result of fraudulent activity. 

I have sent letters to each of the three major credit bureausEquifax, XXXX, and XXXXrequesting the removal of these fraudulent inquiries. However, I have not yet received any confirmation regarding the status of these requests or any resolution to this issue. 

These unauthorized inquiries are negatively impacting my credit score and, consequently, my ability to secure credit and financial opportunities. I understand that under the Fair Credit Reporting Act, I have the right to dispute inaccurate information on my credit report, and I am keen to see these items removed within the prescribed timeframe. 

Could you please provide me with information about the process for resolving this issue? Specifically, I would like to know : 1. What steps are being taken to address my concerns?

2. Why have these items not yet been removed from my credit report?

3. What is the timeline for their removal? 

I appreciate your attention to this matter and look forward to your prompt response. It is my hope that these fraudulent inquiries can be removed within the next 30 days to prevent further damage to my credit score. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance regarding an urgent matter related to my credit report. I have recently discovered 14 hard inquiries on my credit report that were not authorized by me and appear to be the result of fraudulent activity. 

I have sent letters to each of the three major credit bureausXXXX Experian, and XXXXrequesting the removal of these fraudulent inquiries. However, I have not yet received any confirmation regarding the status of these requests or any resolution to this issue. 

These unauthorized inquiries are negatively impacting my credit score and, consequently, my ability to secure credit and financial opportunities. I understand that under the Fair Credit Reporting Act, I have the right to dispute inaccurate information on my credit report, and I am keen to see these items removed within the prescribed timeframe. 

Could you please provide me with information about the process for resolving this issue? Specifically, I would like to know : 1. What steps are being taken to address my concerns?

2. Why have these items not yet been removed from my credit report?

3. What is the timeline for their removal? 

I appreciate your attention to this matter and look forward to your prompt response. It is my hope that these fraudulent inquiries can be removed within the next 30 days to prevent further damage to my credit score. 

Thank you for your assistance.

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