vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: IA

Complaint narrative:
So I had my cash app account mysteriously just vanish with a balance {$1200.00}, then tried and tried to get help which never got nowhere they just said there wasn't any account, yet they sent me a new cash app card but it was just like I as started a new account info all was updated, but ballance has stayed at 0 XXXX Which it's currently still the same because until Im giving back my money I won't use cash app. I don't understand how you call cash app customer service and get nothing accomplished and don't even get to address the situation. My cash app is $ XXXX I just want my funds back as it's ridiculous how my money u worked hard for just vanished

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-28 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 am filing a complaint against XXXX, TransUnion, XXXX for failing to properly investigate my disputes regarding inaccuracies, proof of ownership and/or correct dates in my credit report. 
Despite my submissions, the creditors responds back 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. Its been brought to my attention that these 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. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX, TransUnion, & XXXX all comply with federal law and provides consumers with the necessary proof of investigation, original contracts to provide accurate dates/amounts/closures.

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 2025-01-28 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: MI

Complaint narrative:
According to the FCRA the are in violation of 15USC1692g and 15USC1681e

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: CA

Complaint narrative:
Subject : Refusal to Pay Debt Collection Agency under 15 U.S.C. 1692c ( c ) Dear PORTFOLIO RECOVERY A, I am writing to formally notify you that I refuse to pay the debt you are attempting to collect. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), this letter serves as a formal notice to cease all communication with me regarding this alleged debt. 

Additionally, I dispute the validity of the alleged debt, and I request that you provide verification of the debt as required under 15 U.S.C. 1692g ( b ). If you are unable to provide sufficient documentation proving the legitimacy of the debt and my obligation to pay, you must cease reporting this account to any credit reporting agencies. 
If this account is currently reporting on my credit file, I demand its immediate removal as unverified accounts are a violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Failure to comply with these provisions may result in further legal action to enforce my consumer rights. 

Thank you for your immediate attention to this matter. Please provide written confirmation that you have ceased all collection efforts and removed any inaccurate reporting regarding this account. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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 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 violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: NY

Complaint narrative:
I am writing to express my concerns regarding Zelles handling of disputes, especially 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 2025-01-28 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: Fidelity National Information Services, Inc. (FNIS)
State: PA

Complaint narrative:
The accused company refuses to provide me with a document of permissible purpose per 15 U.S.C. 1681b ( 2 ), as well as a Form 1099-C for a cancellation of debt to a charged off account. XXXX XXXX XXXX Bank have been purchasing my consumer report from ChexSystems ( Consumer Reporting Agency ) and knowingly as well as illegally per 15 U.S.C. 1681 ( n ) ( o ) been reporting false and inaccurate information on my credit consumer report. XXXX XXXX XXXX has never offered any manner or form of credit to be posting charged off accounts to ChexSystems. A ( CRA ) that I also did not give explicit permissible purpose to ChexSystems to furnish or sell my report, or information The IRS considers a charge off as INCOME, a 1099-C shouldve been issued to me for charging off a debit checking account. The accused bank XXXX XXXX XXXX XXXX XXXX XXXX ) have constantly been blowing me off, and constantly challenging me and my knowledge. Ive attempted and instructed XXXX XXXX XXXX Bank numerous times to provide me with proof of permissible purpose. I was told its legal documentation and it can not be provided. I was told it would take 2-3 days to obtain a copy. Quite frankly they do not have it, and still think they can fool me. XXXX XXXX XXXX Bank have claimed theyre aware and wants to assure me they comply with all applicable fair banking laws, rules, and regulations. 12 CFR Part 1022 states that XXXX XXXX XXXX Bank is a user of consumer reports and MUST obtain permissible purpose by the consumer. Reluctantly, they know and are aware of all FCRA Rules and Regulations, but refuses to comply. A blatant violation of the FCRA and Federal Laws. 

12 CFR Part of 1023 - Fair Credit Reporting ; Permissible Purposes for Furnishing, Using, and Obtaining Consumer Reports This advisory opinion also reminds consumer report users that FCRA section 604 ( f ) strictly prohibits a person who uses or obtains a consumer report from doing so without a permissible purpose.

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 2025-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: TX

Complaint narrative:
I need your help to investigate accounts from these companies that have reported late payments incorrectly. Upon reviewing my credit report, I found some accounts marked with late payments, which should not be the case. No late payment remarks should appear on these account.

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 2025-01-28 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: MI

Complaint narrative:
TransUnion LLC Consumer Dispute Center po box XXXX XXXXXXXX XXXX XXXX Subject : Credit Report XXXX XXXX XXXX Dear XXXX XXXX Department , I am writing to formally dispute inaccurate information on my credit report. I recently reviewed my report and found the following errors that must be corrected in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. : 1. Credit Acceptance- Invalid amount owed, account no longer owed. 

2. Incorrect Inquiries : XXXX OF XXXX Inquired on XX/XX/XXXX : this inquiry was not authorized by me and should be removed. 

XXXX OF XXXX Inquired on XX/XX/XXXX : this inquiry was not authorized by me and should be removed. 

XXXX OF XXXX Inquired on XX/XX/XXXX : this inquiry was not authorized by me and should be removed. 

XXXX XXXX Inquired on XX/XX/XXXX : this inquiry was not authorized by me and should be removed. 

XXXX OF XXXX Inquired on XX/XX/XXXX : this inquiry was not authorized by me and should be removed. 

XXXX Inquired on XX/XX/XXXX : this inquiry was not authorized by me and should be removed. 

XXXX OF XXXX Inquired on XX/XX/XXXX : this inquiry was not authorized by me and should be removed. 

XXXX Inquired on XX/XX/XXXX : this inquiry was not authorized by me and should be removed. 

XXXX. I have no knowledge of accounts : * XXXX XXXX XXXX XXXX XXXX XXXX  * XXXX XXXX * XXXX XXXX XXXX XXXX XXXX  Please correct these inaccuracies immediately and provide me with a written confirmation of your findings. If you fail to comply, I may escalate my complaint to the CFPB and seek legal recourse. 

Thank you for your prompt attention to this matter. 

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 non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
On XX/XX/XXXX, My Capital one savings account got closed due to suspicious activity. Capital One said they well send me a closeout check for {$5900.00}. It has been 2 months and I still have not recieved the check it. I have called but they dont have give any details on the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: MA

Complaint narrative:
I amwriting to delate the following information from my file.The items I deleted are listed in the report I am a big team of identify theft and Idid not make the charge.I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the the federal tray, commission identity, theft, affidavit. Please delate this items as soon possible. ''

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 2025-01-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Ive called numerous of times and days just this month alone wait over 2 hours every time to speak to a supervisor. To remove UNAUTHORIZED inquiries on my credit report. Let me start by saying how rude and unprofessional these representatives and supervisors are. They directed me to call these companies that the inquiries are attached to that I have no idea who they are to get a deletion letter which I did and each company has told me that they do no such thing that TransUnion has the responsibility of removing the inquiries if they were not authorized by me. I called again and they was trying to school me on how inquiries work as if I dont know and said any credit company have the authorization to look at your credit report I couldnt believe he actually said that. I said without my permission? And he tried to say I didnt understand him which I did. If these calls are actually recorded please look into them! I need these unauthorized inquiries removed immediately.

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 2025-01-28 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: PA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and XXXXompleteness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXX Date XXXX : XX/XX/XXXX Balance Owed : {$0.00} /Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charged off XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date XXXX : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2500.00} Collection BSI MTG XXXX Date Opened : XX/XX/XXXX Balance Owed : {$300000.00} Late/Open Inquiries in Dispute : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX M XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2025-01-28 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 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 ( CRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX XXXX 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 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 XXXX 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. 2025-CFPB-0002 ) 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 2025-01-28 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: GA

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX 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 XXXX '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 2025-01-28 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: GA

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX 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 XXXX 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: PA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report please remove these accounts from my report, they are hurting my ability to obtain 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 explanation
Consumer complaint received 2025-01-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 non-monetary relief