vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: VA

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 2025-01-19 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: Absolute Resolutions Corp.
State: MI

Complaint narrative:
XXXX is reporting inaccurate information on my consumer report. They are also reporting medical information which is prohibited by the FCRA. I am a consumer, and I don ' t have an account with these following companies as defined under 15 U.S.C. 1681a ( r ) ( 4 ). These accounts : XXXX XXXX XXXX XXXX Absolute Resolutions XXXX need to be hard deleted from my file immediately as they have no permissible purpose to do such, also the inaccurate reporting of these accounts have caused me harm and injury to my credit reputation. These accounts were previously disputed and XXXX failed to conduct a reasonable reinvestigation and update my account to maintain the maximum possible accuracy of information as the FCRA requires.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
XXXX is reporting inaccurate information on my consumer report. They are also reporting medical information which is prohibited by the FCRA. I am a consumer, and I don ' t have an account with these following companies as defined under 15 U.S.C. 1681a ( r ) ( 4 ). These accounts : Merchants & Medical, and XXXX XXXX  XXXX need to be hard deleted from my file immediately as they have no permissible purpose to do such, also the inaccurate reporting of these accounts have caused me harm and injury to my credit reputation. These accounts were previously disputed and XXXX failed to conduct a reasonable reinvestigation and update my account to maintain the maximum possible accuracy of information as the FCRA requires.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
I am filing a complaint against Cash App ( Block , inc ) due to inadequate customer service and unfair practices which violates the consumer financial protection act ( CFPA ). Specifically, cash app 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 completely 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 inconveniences and financial loss, and I seek redress for these violations!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Well they have a charge off in XXXX that I have not received the XXXX from them and I have requested. It is now XXXX tax year and they are still reporting this account as a charge off. That is fraud. If you charged the debt off then it is gone.Thats Fraud. They report to all 3 credit reporting agencies.

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 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX [ Date ] Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX Washington, DC XXXX Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Due to XXXX Data Breach Dear Sir or Madam, I am submitting this formal complaint regarding inaccurate late payments reported on my credit report. These late payments were recorded for my account with Credit Acceptance ( Account Number : XXXX ), and they were the result of fraudulent activity caused by the XXXX data breach, in which my personal information was compromised. 



The following is a list of the disputed late payments : Creditor Name : Credit Acceptance Account Number : XXXX Late Payments Reported : XXXX : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX I am exercising my rights under XXXX XXXX XXXX  of the Fair Credit Reporting Act ( FCRA ), which allows me to dispute inaccurate information on my credit report. These late payments were caused by identity theft, and I am requesting that the CFPB intervene to ensure that these inaccuracies are corrected. 



I have already submitted a dispute to XXXX regarding this issue but am seeking your assistance in making sure these late payments are removed from my credit report due to their fraudulent nature. 



Attached to this complaint are the following supporting documents : 1. A screenshot confirming that my personal information was compromised by the XXXX data breach. 

2. Payment account records showing the accurate history of my payments.

3. A copy of my credit report, with the disputed late payments clearly highlighted.

I respectfully request that the CFPB investigate this matter and assist in ensuring that these incorrect late payments are removed from my credit report. 



Thank you for your time and consideration. I look forward to your prompt response and assistance in resolving this issue. 



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
Consumer complaint received 2025-01-19 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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I CONTACTED JPMCB SEVERAL TIMES TO REMOVE THIS AUTHORIZED USER CREDIT CARD ACCOUNT THAT I DIDN'T HAVE IT NOR ANYONE IN MY FAMILY HAS IT. I'M NOT RESPONSIBLE FOR THIS ACCOUNT AND I'M REPORTING IT AS IDENTITY THEFT DUE TO I DIDN'T AUTHORIZED IT. THE ACCOUNT # XXXX AND ITS OPEN ON XX/XX/2023 XXXX WHEN I CALLED JPMCB THEY SAID IT WAS UNDER XXXX XXXX XXXX AND I WAS AN AUTHORIZED USER UNDER HER ACCOUNT. I TOLD THEM THAT A GENTLEMAN NAMED XXXX XXXX XXXX STOLE MY WIFES IDENTITY AND HE WAS IN JAIL FACING IDENTITY THEFT CHARGES AND CREDIT CARD FRAUD CHARGES. THEY SAID THE ACCOUNT WAS CLOSE DUE TO FRAUD AND XXXX NOR I WAS RESPONSIBLE FOR THIS ACCOUNT. THEY STILL HAVE NEVER REMOVED THIS ACCOUNT FROM MY CREDIT FILE. REMOVE NOW OR LEGAL ACTIONS ARE COMING FROM ME AND MY WIFE XXXX. JPMCB KNOWS AND HAS REPORTS THAT SOMEONE OPENED THESE ACCOUNT IN XXXX XXXX WIFES NAME AND STILL IS TRYING TO HURT ME AND MY WIFE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: SMS Financial, LLC
State: WI

Complaint narrative:
SMS Financial LLC is suing me for a car loan that I signed for in a different state with XXXX XXXX. The last payment I made was in XXXX of XXXX. I owed the debt in Iowa and they are suing in the state I currently live in, Wisconsin. This debt fell off of my credit report in XXXX when XXXX XXXX was sold to XXXX XXXX. XXXX XXXX then sold XXXX XXXX XXXX and XXXX XXXX XXXX Illinois XXXX to XXXX XXXX XXXX later in XXXX. I was never notified of XXXX XXXX being sold to XXXX XXXXl nor was I notified when this debt was sold to XXXX XXXX XXXX. Once this debt fell off of my credit report there was no way for me to know that it was still outstanding or who to contact to pay the debt. The original debt is {$3300.00} and they are suing me for {$10000.00} claiming {$6600.00} in interest. In almost 9 years I have never been notified of this debt until I received a summons to court. 

SMS Financial XXXX electronically filed a Summons and Complaint on XX/XX/XXXX. When I missed my court date ( mis-calendaring on my part ) I filed a motion to re-open the case. In XXXX my motion was granted and we had pretrial conference scheduled for XX/XX/XXXX. During that conference the attorney for SMS Financial XXXX stated they intend to file for a Motion for XXXX XXXX. Our hearing is currently scheduled for XX/XX/XXXX. I am currently working on writing my affidavit. 

The statute of limitations in the state of Wisconsin is 6 years for an auto loan. This debt is over XXXX years old. The lawyer is stating that the statute of limitations for an auto loan in Iowa is 10 years. However they are suing me in the state of Wisconsin, not Iowa.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: MS

Complaint narrative:
Experian has failed to fulfil its obligation under the fair credit reporting act FCRA to conduct a reasonable reinvestigation of disputed information on credit report, leaving inaccurate, unverifiable accounts unresolved. The cfpb has recently filed a lawsuit against Experian, alleging systemic issues such as failed to forward consumer- provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumer of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing 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 2025-01-19 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: NV

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent of 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 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 2025-01-19 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: NJ

Complaint narrative:
I found a number of mistakes on my credit report and I contracted Experian in order to resolve these issues. They have down right failed to comply with FTC Regulations and refuse to fix this issue, this is a clear violation of my consumer rights. 

XXXX. My birthdate shows up on my report as ( 1995 ). My birthday is actually XX/XX/year>. 

XXXX. Experian and XXXX never removed a collection account or updated me on the status of the investigation I submitted more than 45 days ago. 
XXXX credit account number XXXX. 

XXXX - name update current XXXX XXXX. Change to XXXX XXXX XXXX XXXX XXXX Address update. Remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX. Address No. XXXX removed. XXXX XXXX XXXX XXXX XXXX NC XXXX I have never lived at XXXX  XXXX of these residents My address been the same for XXXX  years. 
( XXXX XXXX XXXX XXXX NJ 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 2025-01-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 2025-01-20 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: EQUIFAX, INC.
State: TX

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 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadepquate 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, 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 address for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
I purchased a brand-new XXXX XXXX  XXXX XX/XX/XXXX, despite carrying negative equity, because I needed a reliable commuter bike and had no other options at the time. The loan carried an interest rate of 19 %, which made the payments increasingly difficult to manage, especially since my spouse refused to contribute to bills or work. 
On XX/XX/XXXX, I voluntarily surrendered the motorcycle. Up until that point, I had not missed a single payment. Since surrendering the bike, it has been over XXXX months, and I have not received any updates regarding its status. I contacted the lender and spoke to a representative named XXXX XXXX, who was extremely unprofessional, sighing and mumbling under her breath when I asked important questions about my account. This lack of clarity and courtesy has been frustrating, especially given the impact this situation is having on my credit. 
Additionally, I was told I would need a lawyer to subpoena recordings of the phone call, which seemed highly unusual and concerning. As of now, I owe {$13000.00} on the loan, and {$1700.00} appears to be accruing in interest and fees on a motorcycle I no longer possess or can afford. If the lender had sold the bike and communicated the results to me, this debt might have been reduced by now. 
This lack of transparency, combined with ongoing interest charges, is deeply unfair and is ruining my credit. I would have kept the motorcycle if I had known I would still be making payments without any resolution. I am requesting immediate action to update me on the status of the motorcycle, resolve any delays in its sale, and adjust the account to reflect fair practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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:
EXPERIAN HAS FAIL TO FULLFILL ITS LEGAL OBLIGATION UNDER THE FAIR CREDIT REPORTING ACT ( FCRA ) TO CONDUCT A REASONABLE REINVESTIGATION OF DISPUTED INFORMATION OF DESPUTED INFORMAYION ON MY DREDIT REPORT LEAVING INACCURATE OR UNVERIFIABLE ACCOUNTS UNRESOLVED. THE CONSUMER FINANICAL PROTECTION BUREAU ( CFPB ) HAS RECENTLY FILED A LAWSUIT AGAINST EXPERIAN ALLEGING SYSTEMIC ISSUSE 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 CORRECTEDNOR REMOVED DISPUTED ITEMS DESPITE THE EVIDENCE I PROVIDED CAUSING ONGOING HARM TO MY CREADIT STANDING I AM REQUESTING IMMEDIATE CORRECTION ACTION TO REMOVE OR AMEND THE DISPUTE ACCOUNTS AS EXPERIAN 'S INACTIONVIOLATES 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 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been trying to fix my credit, Experian are not complying with 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681c ( c ). and I just found out about the new lawsuit that CFPB came out with against them " CFPB Sues Experian for Sham Investigations of Credit Report Errors, Experian does not properly investigate disputes and fails to remove or reinserts errors on reports, threatening consumers access to credit, employment, and housing. 
Account : XXXX XXXX Account number : XXXX Date XX/XX/year> 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 2025-01-19 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 compliant 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. and Regulations E. These actions have caused significant inconvenience and financial loss, and I speak appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: IL

Complaint narrative:
I am writing to express my concern regarding zelle handling and dispute 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 unfeasable the cfpb finding indicates that zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system leaving users vulnerable to scams this lack accountability and transparency is unacceptable and raises serious concern about consumers safety

Company response to consumer: Closed with explanation