vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: WI

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 2025-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MA

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 2025-02-24 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: FL

Complaint narrative:
This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the TransUnion credit reporting agency XXXX XXXX information appearing on my credit report that is the results of Identity theft, data Breach and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX  : Account number : XXXX, XXXX XXXX  XXXX Account number : XXXX, XXXX : Account number : XXXX, XXXX : Account number : XXXX, XXXX  XXXX : Account number : XXXXXXXX XXXX XXXX XXXX Account number : XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.

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 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I contacted capital one with letters, phone calls, and cfpb complaints. I was told that the late payment would be removed but it is still showing on my credit report. Capital one is unable to show proof of the late payment being made nor are they able to proof that they sent notice of the late payment being reported XXXX days beforehand. These both are violations of the fdca and the fcra XXXX dont want anyone calling stating they will investigate my issue. I want this error deleted and blocked from my credit report it is causing me great financial harm. The late payment is reporting XX/XX/year> on account number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I filed a CFPB complaint XXXX, company responded that they would notify me of the results personally, not wanting to do it publically. To date I haven't received notification, response, nor has the information been removed from my accounts. I want an immediate, public response from XXXX reguarding the steps they have taken to remove this fraudulent account from my file.

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 2025-02-24 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: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I requested proof that I authorized opening the account. The only thing they ever say is its accurate but never provides proof

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently noticed a fraudulent account has been reinserted into my credit report. This account was previously removed because it was a result of identity theft, and I would like to formally dispute its reinsertion. Please provide documentation proving the legitimacy of this account. 
XXXX XXXX XXXX XXXX Account Number : XXXX Amount : XXXX Personal loan from Self- Help credit Union Account Number : XXXX Amount : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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:
I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ).

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 

XXXX v. XXXX XXXX ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA.

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft.

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: SC

Complaint narrative:
As seen in this screenshot information varies from CRA to CRA According to the FCRA information must be accurate or removed.

( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

If this information is coming from the data furnisher, why is it different?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RGS Financial, Inc.
State: MN

Complaint narrative:
RGS financial was leaked my information resulting in a fraudulent claim for money owed. When tried to verify, the debt couldn't be verified. I called again asking for more information and I was not given what asked for. This company does not have a valid debt to claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Westlake Services, LLC
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX loan date opened : XX/XX/XXXX Auto loan date closed/paid in full : XX/XX/XXXX Showing on credit report as repossession which is incorrect because car was traded in and remaining balance was paid and closed on XX/XX/XXXX. Ive disputed this numerous of times and still reporting incorrectly on my credit report to all XXXX credit bureaus. I have all documentation that proves this auto loan was paid in full and closed!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute the damaging report of a vehicle repossession tied to my account I did not receive any letter via mail indicating that an repo will be taken place and amount owed. As a result of violating my rights and not following all steps of my due processing rights I would like to have this item removed from all three credit bureaus or I will be seeking legal representation and filing a lawsuit against these credit bureaus

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 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have different but similar names reporting on my credit report. I have an address reporting on my credit report that I'm unfamiliar with. I also have an employer that I'm not familiar with. I have reached out to XXXX Intermediate Holdings , Inc . I have reached out to Equifax , Inc . I have reached out to XXXX Information Solutions , Inc. I have disputed these inaccuracies providing proof with these CRA 's and they have yet to remove them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I opened up the TD checking and savings account with TD USA but I think I should be eligible to receive the benefits under the TD STUDENT OFFER plan but unfortunately the bank claimed I am not able to received them because the account was not opened by a university. Having spoken to TDs customer care team, they said the branchs explanation was wrong but denied to open up a complaint for me and they also refused disclose their complaint process

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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: TX

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX Balance Owed : {$990.00} XXXX XXXX XXXX Balance Owed : {$0.00} AFFIRM XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX APT XXXX XXXX, TX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Owed : {$990.00}

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 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Experian 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 Experian, 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 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 2025-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Subject : Request for Claim Wells Fargo Settlement Dear Settlement Administrator, I am writing to formally request my claim as an Eligible Settlement Class Member under the Wells Fargo settlements related to the following issues : Excessive Overdraft Fees Unauthorized Identity Theft Product Enrollment Mortgage Account Mismanagement Improper Credit Card Fees GAP Insurance Fees Excessive Renters Insurance Fees Unauthorized Account Opening I understand that Wells Fargo has reached multiple settlements related to these issues, including but not limited to : XXXX {$140.00} XXXX Class Action Settlement Addressing unauthorized account openings and improper credit card fees. 
XXXX {$570.00} XXXX State Settlement Covering deceptive sales practices, including unauthorized enrollments in identity theft protection and mortgage mismanagement. 
XXXX {$3.00} XXXX Federal Settlement Resolving criminal and civil investigations related to unauthorized accounts. 
XXXX {$3.00} XXXX CFPB Settlement Addressing excessive overdraft fees, XXXX insurance fees, mortgage mismanagement, and improper renters insurance fees. 
XXXX {$1.00} XXXX Shareholder Settlement Related to misleading information provided to investors about Wells Fargos corrective actions. 
Based on my eligibility, I would like to claim any compensation I am entitled to for the unauthorized charges, fees, and account activities listed above. Please provide guidance on the necessary steps to complete my claims. 
Additionally, if a written request is required for uncashed settlement payments, kindly confirm the appropriate email address or mailing instructions. 
I appreciate your time and assistance in processing my request and look forward to your response. 
Best regards,

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 2025-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I filed a fraudulent charge claim against a purchase ( the charge was on XXXX  for - {$230.00} ) in my checking account with Chase Bank. On XXXX the claim was reversed and Chase Bank added + {$230.00} back to my checking account. On XXXX, they reversed the claim again and deducted- {$230.00} from my checking account. On XXXX they reversed the claim again and added+ {$230.00} to my checking account. Then, on XXXX they reversed the claim again and deducted- {$230.00} from my account. 
Although, this was one claim they gave the case two different claim ID numbers .... 
XXXX. Claim ID # XXXX XXXX and XXXX. Claim ID # XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have made a dispute about the incorrect information and they responded denying to change the incorrect information.

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 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have different but similar names reporting on my credit report. I also have an address I'm unfamiliar with. Along with an employer who I'm not familiar with. I have reached out to Transunion Intermediate Holdings , Inc . I have reached out to XXXX XXXX XXXX XXXX I have reached out to XXXX XXXX XXXX XXXX XXXX. I have disputed these inaccuracies providing proof and they have yet to remove them from my credit report.

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 2025-02-24 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: PA

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$6600.00}

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 2025-02-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Accounts, Inc.
State: MN

Complaint narrative:
XXXX financial was leaked my information resulting in a fraudulent claim for money owed. When tried to verify, the debt couldn't be verified. I called again asking for more information and I was not given what asked for. This company does not have a valid debt to claim.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-24 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: AZ

Complaint narrative:
I do not recognize this account and I have no previous knowledge of it. I demand proof and validation debt is mine. If not validated, delete immediately. Collection is in violation of the 15 USC Code 1681b

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