vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-20 00:00:00
Product: Credit card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Heres a simplified version of your complaint : This company incorrectly reported a late payment on my credit report between XX/XX/year>, and XX/XX/year>. Under the Fair Credit Reporting Act ( FCRA ), they violated my rights by sharing my private financial information without giving me the chance to opt out, as required by 15 USC 6801 ( a ). 

They shared my information with XXXX, XXXX, and XXXX, which are considered nonaffiliated third parties under 15 USC 6809 ( XXXX ). This sharing violates 15 USC 6802 because I was not notified or given a chance to stop it.

Even if these companies claim to be affiliates, the FCRA still requires that I be informed and given the option to prevent my information from being shared, as stated in 15 USC 1681a ( d ) ( 2 ) ( A ) ( iii ). This company did not do that. 

By failing to notify me and not giving me the right to opt out, this company has violated my privacy and broken multiple federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

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 proce 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 XXXX financial loss, and I seek appropriate redress for these violations

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

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 2025-01-20 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: TN

Complaint narrative:
I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
On XX/XX/XXXX, a certified letter/return requested was sent to XXXX concerning XXXX payments by XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX, under 15 U.S C. 1681i ( b ) and 15U.S. Code 1681I ( 5 ) concerning the account in violation not reporting 100 % accurate. 
XXXX failed to do a proper investigation into both times when the letters were sent concerning this matter, and didn't respond within the 30 days allowed by the FCRA rules. 
" once notified by a CRA of a consumer dispute, the furnisher of the disputed information must do it's own reasonable investigation. A reasonable investigation under FCRA & 1681s-2 ( b ) requires the furnisher to examine sufficient evidence to determine whether the disputed information is accurate. 
This item was never investigated within a timely matter, nor was anything sent to me to show what and how they investigated

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 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have XXXX XXXX XXXX Accounts with XXXX XXXX. I have Paid OFF XXXX of the accounts and the other XXXX account balances are currently being paid through the XXXX XXXX XXXX XXXX Department. My XXXX card has not been updated with correct payment information since XX/XX/XXXX and my XXXX card has not been updated since XX/XX/XXXX as well. XXXX XXXX automatically debits my financial institution twice a month for both cards. On XX/XX/XXXX, I called XXXX XXXX XXXX Department and spoke with a representative to ensure that THEY are in fact reporting the correct information to Equifax. I was advised to speak with Equifax because the problem did not lie with XXXX XXXX. They informed me that they are reporting each and every month which is what displays on my other reporting agencies reports. I have had many issues and concerns with Equifax not properly updating my paying information in a timely manner once the creditor submits the monthly file. As of today, my report reads a {$400000.00} for my XXXX XXXX and a {$5300.00} balance for my XXXX card which is grossly incorrect. What is also inaccurate is the XXXX XXXX status report for each of these accounts MONTHLY which is inaccurate and under law, illegal. These accounts are NOT to report monthly as a XXXX XXXX once the account is closed. Again, these accounts are update XXXX. I have notified Equifax on several occasions by way of disputes and hey continue to report this inaccurate information. There are credit laws that are being misused at MY expense and my credit worthiness expense. Today XXXX, I called Equifax and spoke with a representative and went through all of this information with an agent, only to be hung up on and the system asking for a survey. This is insanity and should be looked into. I am doing my best to pay my debt and am having a very difficult time with Equifax over and over again reporting inaccurate information It takes me more time to refute this information each and every time. Something has to be done. XXXX XXXX is doing their job yet Equifax seems to want to throw the ball back in XXXX XXXX have never had issues with how XXXX XXXX reports. Only Equifax the Report agency. It is a sham that as a consumer, this type of behavior causes the consumer inadequacies. It seems as if, this agency wants to keep the consumer in a certain default status for their selfish reasons. They have no care or concerns for the decrease in credit scores. My lowest score is Equifax due to incompetent systems. As a consumer, I have fell on hard times yet I am doing my best to recover and pay my debt and Equifax is making this hard for me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Summarized : A {$500.00} loan from the XXXX Bank of America was obtained on XX/XX/XXXX. Payments were made on XX/XX/XXXX, and XX/XX/XXXX, for the loan repayment. This account was previously in collections, and a final overdue payment of {$160.00} was paid in full on XX/XX/XXXX. This collection payment was not reported as the balance was not updated, leading to an incorrect account status stating " {$160.00} written off '' in my credit report ( XXXX ). Please see the payment confirmation details in the attached documentation with the screenshots and account dispute results.

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: 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 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. ( 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 2025-01-20 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: MN

Complaint narrative:
I am writing to formally express my concerns regarding XXXX 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 was tracking these transactions as unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has 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 2025-01-20 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: AL

Complaint narrative:
The accounts disputed were closed and not blocked, there is a direct failure to remove inaccurate information and insufficient proof of an investigation. Numerous FCRA laws were violated and these violations have lead to defamation of my character and creditworthiness. The description of the disputed accounts are attached to CFPB complaint XXXX and FTC report XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 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:
Specifically Cash App failed to take timely and effective measures to prevent address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached 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 explanation
Consumer complaint received 2025-01-20 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: MI

Complaint narrative:
I have asked the many companies to not do a credit check if it's a hard inquiry. After checking my report I found they did the hard inquiry.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
" List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX BANKS XXXX XXXX XXXX XXXX XXXX XXXX -XXXX Inquires -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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX - XXXX -XXXX XXXXXXXX I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate XXXX According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 usc 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of Inaccurate or unverifiable information. 
( A ) In general, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate of incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the result of the reinvestigation, and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

According to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 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: FL

Complaint narrative:
Cfpb complaint reasons. Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have disputed reports for XXXX Capital One cards as well as a XXXX XXXX XXXX XXXX as I have never owned a Capital One Card and the XXXX XXXXXXXX XXXX XXXX has been paid in full. On XX/XX/XXXX, the capital one card was written as a charge off. I disputed both Capital One cards on XX/XX/XXXX, to which the credit line showed as delinquent and past due in XXXX of XXXX. Furthermore, I disputed both cards in XXXX of XXXX, XXXX of XXXX, XXXX of XXXX, and XXXX of XXXX, to which experian informed me each time that the results were complete and remained the same. Any Capital One card that appears in my name was open fraudulently as I have never authorized for a Capital one card nor have I ever been interested in one. The XXXX XXXX bank card has been paid but shows as delinquent, to which this has caused my XXXX score to plummet significantly.

Company response to consumer: Closed with non-monetary relief
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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I want reported accounts that I dispute it for years removed.

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: PA

Complaint narrative:
I am submitting a complaint against Equifax for their failure to remove inaccurate accounts from my credit report ( XXXX Bank XXXX / Lead Bank XXXX ), which is a direct violation of the Fair Credit Reporting Act. Despite me providing the necessary information on why XXXX offs are not allowed on a consumer report or legal to report due to the accounts being income and not debt per IRS publication. Equifax has not fulfilled its legal obligations under the FRCA, including ensuring maximum possible accuracy of my credit report ( 15 U.S.C 1681e ( b ) ) and conducting a proper reinvestigation to remove the errors within the required 30-day period ( 15 U.S.C. 1681i ( a ) ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Nelnet, Inc.
State: TN

Complaint narrative:
In the month of XXXX XXXX lost my phone and whom ever had got in and was using and changing my passport on my accounts and my personal information was found on the dark web. Violation of 5 of the usc codes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MS

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 account vulnerable and unprotected. Furthermore, their dispute resolution price 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 2025-01-20 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached 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 explanation