vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 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: IL

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 non-monetary relief
Consumer complaint received 2025-01-29 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: IL

Complaint narrative:
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: IL

Complaint narrative:
Kindly block and remove these unauthorized accounts from my credit report immediately. I did not authorize or initiate these accounts and have no knowledge of their source. As outlined in USC 1681g, I formally request their removal within 15 days. Enclosed are the relevant documents for your review and reference.

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 2025-01-29 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: IL

Complaint narrative:
Kindly block and remove these unauthorized accounts from my credit report immediately. I did not authorize or initiate these accounts and have no knowledge of their source. As outlined in USC 1681g, I formally request their removal within 15 days. Enclosed are the relevant documents for your review and reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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:
Ive contacted Transunion numerous of times Ive provided documentation to validate my claims and nothing has been done to remove or validate the accuracy of the information I am a victim of identity theft and Ive mailed in over thirty five letters certified in the last year on top of me putting together this information to finally get this resolved Im attaching additional documents. The Fair Debt Collection Practices Act ( 15 U.S.C. 1692-1692p, as amended by XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) prohibits debt collectors from using unfair or deceptive practices to collect overdue bills that a creditor has forwarded for collection.

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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have submitted several requests, along with a pictures of my DL to get the speeling of my name on my credit report corrected on Equifax, and they still haven't corrected it. They continue to send me reports that I need to provide documentation, which I have provided, several times. I received ANOTHER request this morning to send ANOTHER copy of the documentation, still with the incorrect name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
My bank had put an emergency hold on my checking account which I was not aware of for several weeks. I would go to make a payment on my card and the credit card company indicated the payment was received and the credit was then available to use. But then due to the bank having a hold and the credit card not knowing payment stopped and I had already used the credit available on the card. So the card went over the limit. I was unaware of this happening and they closed my account without informing me. There was not need to close my account. I had never made late payments for the two years that I had the credit card. I also have funds available and I paid the card in full. I am still getting penalized for paying card in full. I would like my credit line restore and my credit score fixed because this has ruined my credit score. I think this is completely unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: FL

Complaint narrative:
I am writing to formally express my concerns regarding Zelles distribution and handling of funds, especially in light of the recent CFPB lawsuit highlighting significant issues with a platform. Despite using all multiple times. And reporting discrepancy with my financial institution, Zelle failed to investigate my claims adequately. They informed me that tracking these transactions were not feasible. The CFPB findings indicate that Zelle has not only neglected to protect consumers but has allowed repeated offenders to exploit the system, leaving users, vulnerable to scams. This lack of accountability and transparency is unacceptable and raise a serious concern for the consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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 have disputed over and over these fraudulent entry on my report. Sometimes they say it's a good debt. Sometimes they remove them then a week later it's right back. I'm gon na sue transunion. I'm tires of this XXXX. You have let them destroy my finances and life.

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 2025-01-29 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 to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle 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 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: CA

Complaint narrative:
I registered with an account with Cash app and they closed my account. When I contacted them and asked why my account was closed, they said I violated their rules and policies ( not true ). When i asked what rules I broke, they forwarded a link to their rules and policies but refused to say which rule I broke. When I open a new account under a different email, they closed my account again and refused to say which rules or policies i violated despite not doing anything wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: NY

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter are not 100 % correct and I demand them to be investigated completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: NJ

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 2025-01-29 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: GA

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Experian 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 ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 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. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian 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 2025-01-29 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: RI

Complaint narrative:
I spoke with representatives from Cash App regarding a money transfer that occurred in 2021. During my conversation with a young lady from Cash App, she informed me that she couldnt see the dispute I had filed at that time. I explained that I remember addressing the issue when it first happened, but like other disputes, it was denied. I did not authorize any transactions with XXXX XXXX XXXX or XXXX ; these two individuals stole over {$4000.00} from my account. I filed an FTC report and requested that Cash App investigate to help recover those funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: MN

Complaint narrative:
XXXX and Trans Union are only companies Ive looked for information thus far. I am filing this complaint regarding inaccurate items 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 these items as they are incorrect and do not effect my true credit score.

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 2025-01-29 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: Texas Guaranteed
State: TX

Complaint narrative:
I have 2 student loans on my credit report from XXXX. I called the number on my credit for the loan servicer, and they said I had to email the original servicer, so I did, and an automated email came back and said this company no longer services student loans. Therefore, I asked they be removed from my credit because these loans are dismissed, therefore reported wrong on my credit, pulling my score down.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: IL

Complaint narrative:
I am requesting the immediate removal of the unauthorized accounts from my credit report. These accounts were not authorized by me, and I am unaware of their origins. In line with USC 1681g, please remove them within the next 15 days. Enclosed are the supporting documents for your review.

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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies involving my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough and authentic investigation. Experian continues to report false information and incorrect addresses and names, in my credit report. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian actions also may contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5336 ( a ) ( 1 ) ( A ) - ( B ). I requested that CFPB take appropriate action to ensure Experian complies with the necessary proof of investigation. 

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 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 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
I have had numerous times where mtmy cashapp had money stolen, my card used in other states other than where I currently reside. Contacting customer service for cash app is a complete waste of time and they can never help you resolve anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I disputed this collection by The XXXX ( XXXX ) for carpet replacement charges tied to my security deposit at XXXX  XXXX. These charges were sent past the 30-day limit required under Texas Property Code Section 92.103 , violating state law.

My lease does not explicitly require tenants to pay for carpet replacement unless damage exceeds normal wear and tear, and my photo evidence demonstrates that the condition of the carpet falls within normal use. 
Numerous XXXX reviews for The XXXX highlight similar complaints, revealing a systemic issue where tenants are unfairly charged upon move-out. I believe the manager of the apartment complex is staining carpet with bleach after move out in order to pass carpet replacement on to leaving tenants. It is a recurring theme in the XXXX reviews where XXXX XXXX states that due to bleach stains they had to replace carpet. Despite disputing the charges with XXXX and their collection agency, they escalated this baseless claim. I requested its removal from my credit report as it is legally invalid and factually unjustified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TransferWise Ltd
State: TX

Complaint narrative:
wise closed my business account without any Reason associated with XXXX of XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2025-01-29 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: NJ

Complaint narrative:
XXXX XXXX XXXX Subject : **Cease and Desist of Communication Under 15 U.S.C . 1692c ( c ) ** Dear XXXX XXXX XXXX I am writing to formally request that you immediately cease and desist any further communication with me in regard to the debt referenced in your records.

Pursuant to 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request that you stop contacting me about this alleged debt. Specifically, I am requesting that you refrain from any further written, verbal, or any other form of communication, including phone calls, letters, and emails, unless it is for the purpose of notifying me that your collection efforts have ceased, or you are taking specific legal action. 

Please be advised that any further attempts to communicate with me in violation of this request will be considered harassment, and I will not hesitate to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and/or my states attorney general. 

I request that you confirm in writing that you have received and are complying with this cease and desist request within 30 days. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: NJ

Complaint narrative:
XXXX XXXX XXXX Subject : **Cease and Desist of Communication Under 15 U.S.C . 1692c ( c ) ** Dear XXXX XXXX XXXX I am writing to formally request that you immediately cease and desist any further communication with me in regard to the debt referenced in your records. 

Pursuant to 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request that you stop contacting me about this alleged debt. Specifically, I am requesting that you refrain from any further written, verbal, or any other form of communication, including phone calls, letters, and emails, unless it is for the purpose of notifying me that your collection efforts have ceased, or you are taking specific legal action. 

Please be advised that any further attempts to communicate with me in violation of this request will be considered harassment, and I will not hesitate to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and/or my states attorney general. 

I request that you confirm in writing that you have received and are complying with this cease and desist request within 30 days. 

Thank you for your prompt attention to this matter. 

Sincerely, 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