vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-31 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 to formally express my concerns regarding Cashapp handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Cashapp numerous times and reporting discrepancies, my financial institution and Cashapp failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Cashapp has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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 am writing to dispute fraudulent information on my credit report pursuant to XXXX5 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Inquiries XXXX XXXX XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-01-31 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: OH

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. these remarks have been detrimental to my life and credit health.

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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
These entries are inaccurate and do not reflect my actual payment history. Despite my repeated attempts to have these discrepancies investigated and resolved, no meaningful action has been taken. I have provided all necessary documentation to support my case and have followed up several times, yet these errors remain. This lack of resolution has not only caused financial strain but has also significantly affected my mental and emotional well-being. The stress of dealing with these incorrect entries is overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial behavior, including the right to have outdated or inaccurate information promptly corrected. I urge you to take immediate action to update or correct these late payment entries, as failure to do so is a violation of my rights under federal law.

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 2025-01-31 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: NY

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 accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: SC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX  XX/XX/year>

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 2025-01-31 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: CL Holdings LLC
State: MO

Complaint narrative:
I am a victim of a data breach and identity theft Kindly block and delete the account within 4 business days as required by FCRA 605B 15 USC 1681c2. Please find the attached FTC reports and other relevant documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint against Cash App XXXX Block , Inc. ) due to inadequate 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 fraudulent on their platform, leaving my account vulnerable and unprotected. Now I am a victim of my a data breach. 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. Cash App has refused to give me another Cash App money transfer card for my new cash app account, due to the lack of support I was able to get when someone was taking my money from my old Cash App account. The account was then closed by cash app after trying to get support.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have previously submitted complaints regarding inaccurate items on my credit report, yet no corrective action has been taken. I am once again requesting the removal of all negative and erroneous items from my report. 

If this matter is not addressed promptly, I will have no choice but to pursue legal action to seek compensation for the violations under applicable credit reporting laws.

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 2025-01-31 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: IL

Complaint narrative:
I have previously submitted complaints regarding inaccurate items on my credit report, yet no corrective action has been taken. I am once again requesting the removal of all negative and erroneous items from my report. 

If this matter is not addressed promptly, I will have no choice but to pursue legal action to seek compensation for the violations under applicable credit reporting laws.

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 2025-01-31 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name XXXX XXXX XXXX XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX  # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX I chatted with a customer service rep who ask me the fraud questions and I answer them she didn't enter a fraud claim but a complaint and I have the screenshot showing her the information requested. I chatted with several different customer service reps since then telling them a claim was not enter on XX/XX/XXXX and i should hear something on XX/XX/XXXX and i haven't heard anything or is their provisional credit on.my account. I even talked to a customer service rep who told.me the claim was enter he could enter but i would have to wait 10 days from the day the claim was enter. XXXX XXXX.hasnt changed anything still acting they were before not adding provisional credits like they should. The customer service are not listening to the consumers is all scripted material. CFPB NEEDS TO KEEP CLOSE EYES ON THEM. THIS IS NOT FAIR TO THE CONSUMER FOR THEM TO CONTUINE ACT LIKE THE LAW DOESNT APPLY TO THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX RE : Complaint Against Experian for Potential Retaliation Dear CFPB, I am writing to file a complaint against Experian, one of the major credit reporting agencies, for what I believe to be an act of retaliation in response to a previous dispute I filed with them. 

On [ Date of Previous Dispute ], I submitted a dispute to Experian regarding [ details of the initial dispute ]. Shortly after, on [ Date of Credit Score Drop ], my credit score dropped by XXXX points without any apparent reason. I believe this sudden and significant drop in my credit score is a result of Experian retaliating against me for exercising my rights under the Fair Credit Reporting Act ( FCRA ) and the Equal Credit Opportunity Act ( ECOA ).

As a consumer, I have the right to dispute any inaccurate or unverified information on my credit report, and I should not be penalized for 
doing so. Under the FCRA and ECOA, credit reporting agencies are prohibited from engaging in retaliatory actions against consumers who exercise their rights under these laws.

I respectfully request that the CFPB investigate this matter and take appropriate action to address Experian 's potentially unlawful behavior. I have attached any relevant documentation and correspondence for your reference. 

Thank you for your attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX attorney in fact for 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 2025-01-31 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: LEXISNEXIS
State: NJ

Complaint narrative:
I have filed dispute complaints against this third-party reporting company which failed to investigate properly and reused the same information. In XXXX, LexisNexis was sued for allegedly violating XXXX law by collecting and combining extensive personal information and selling it to third parties without the consumer 's knowledge or consent of the individuals involved. I received responses from them dated XX/XX/XXXX, and XX/XX/XXXX, and neither correspondence contained updates even after receiving an email stating they couldn't verify my identity I submitted a copy of my driver 's license. So, it's understood that LexisNexis is willfully noncompliant with laws specifically 15 U.S. Code 1681 ( n ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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:
I was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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

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 2025-01-31 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 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 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 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Early Warning Services, LLC
State: MI

Complaint narrative:
I used Zelle to send money and I sent it to the wrong person accidentally, it was not made clear that once you send money on Zelle that you cant get it back unless it was sent back to you. When I called XXXX XXXX they told me to call Zelle and Zelle told me that there was nothing that I could do to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Hello, I have XXXX disputed transactions that are still being investigated by Wells Fargo since XX/XX/year>. Furthermore, I did not authorize the transactions because no service or functional product was received by the vendors. Moreover, the bank has not credited the account for these XXXX transactions, and denied to credit a fourth disputed transaction. Also, the vendors from these XXXX companies provided no service, bad service, and/or bad products that did not work as advertised. Lastly, Wells Fargo has been denying service based on my XXXX because no updates were received in the message center, and I am unable to make contact by phone.

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 2025-01-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Recovery Services, Inc.
State: AZ

Complaint narrative:
I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, It remains unresolved. I request immediate investigation and removal of this item. As it is incorrect and does not reflect my true credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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 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 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 2025-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
A debt collections company called LVNV Funding LLC placed a collections on my XXXX credit reports in XX/XX/XXXX without any notice, warning or explanation in the amount of {$2600.00}. I've disputed this item multiple times with all XXXX credit reporting agencies and they continue to " validate '' the debt. On Monday, XX/XX/XXXX, I received a letter dated XX/XX/XXXX from XXXX XXXX XXXX XXXX, yet another debt collector. The letter was a Validation Notice for the LVNV Funding LLC debt. This was the first notice I received about this debt over 4 months after they placed it on my credit report. Pursing debt collection without proper notice or giving me the opportunity to dispute the debit is illegal and LVNV Funding LLC has violated my rights. I am filing this complaint as a last ditch effort before requesting my attorney file a lawsuit against LVNV Funding LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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:
Trans Union had a data breach and my information was compromised and now my information has been used for inquiries, loans and credit cards. My information is incorrect and was updated by Transunion after I called to report it and dispute collection, inquiries and loans. My information was also used to file taxes that is causing me to owe IRS almost XXXX dollars. I now receive unknown phone calls from agents, phishing scammers, collection agencies and fake government entities

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 2025-01-31 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: CA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief