vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 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 XXXX XXXX. XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
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 EQUIFAX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to formally dispute several hard inquiries listed on my credit report, which were conducted without my authorization. Under the Fair Credit Reporting Act ( FCRA ), hard inquiries require my explicit consent, which I did not provide for the inquiries listed on my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally dispute several hard inquiries listed on my credit report, which were conducted without my authorization. Under the Fair Credit Reporting Act ( FCRA ), hard inquiries require my explicit consent, which I did not provide for the inquiries listed on my letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: 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 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. Refunds, unauthorized transactions, money being taken by Cashapp for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
This Complaint is regarding Experian not fulfilling its legal obligation under the Fair Credit Reporting Act to conduct a reasonable Reinvestigation on my Consumer Report. Leaving Misspelling of Names, Wrong Social Security Numbers ( Stating the addresses are attached to accounts which I was currently Disputing. The Consumer Financial Protection Bureau recently Filed a lawsuit against Experian alleging the Systemic issues such as failing to forward Consumer Provided evidence to furnishers along with accepting unreliable Responses and failing to Adequately notify me as a Consumer of the dispute outcomes. these Failures align with my experiences as well as my results. I've also sent Documents requesting validation of Debt to the listed XXXX XXXX Account per the Company Representative They Only received a Dispute on One of the XXXX  XXXX accounts when there were Two listed accounts ( due to me being a XXXX XXXX  they are not collecting on this debt and requested the removal of the accounts only XXXX of the XXXX  XXXX Accounts has been removed, I'm asking under the FCRA 605 ( B ) This account with 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 2025-01-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
I received this loan back in XXXX, after world opening back up, they emerged in XX/XX/XXXX. At this time, we just opening the world up I was so confused and out done with this unlethal claim. I was served paper for court twice with unethical fraudulent debt ( Thousands of $ {$9800.00} ). I borrowed {$2500.00} this debt was resolved back in XXXX. Tennessee STATUE OF LIMITATIONS ON DEBT : According to TN Code, 28-3-109 ( a ) states : Under the law of state of TN this unlawful after 6 yrs of the date of debt. This is called statute of limitations for debt collectors. This company have tried to serve me again on XX/XX/XXXX. This is fraudulent behavior dishonesty ; they Reviews will tell you everything about this company and their associates.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ENOVA INTERNATIONAL, INC.
State: AZ

Complaint narrative:
I have been getting random emails from a company called XXXX for months, which all say that the application was sent from a different company that I have never heard of. I have not authorized a single application that has been sent to them, although when they did approve one of them after months of doing this and denying all of them for different reasons, I decided to see what would happen if I played along with them. That one was then denied. 
XX/XX/year> was the first email that I received saying that they were working on an application, which I replied to saying that I did not fill any application out. I mentioned that I have been a victim of identity theft, and sent them a notice to furnisher from the FTC. That email bounced back, as the " support @ XXXX  '' Email is a redirect to " XXXX ''. 
I have called in several times to be hung up on by an automated assistant. 
I finally did reach them today, and they stand by all of the applications that they are processing without my approval. They all say the same thing that their emails say, that they know that it is frustrating but they have their processes ( Which are largely illegal ) and can not say any more but that they are protecting themselves. 
I would say they should be protecting themselves because they are a massive fraud factory pumping out hard inquiries, XXXX a week and multiple at a time. I asked what time they received XXXX applications from over a week ago that they just emailed me about, and was given a time span of 1 minute. I said " so that is clearly not something that I would do. How are you allowing 3 applications to be processed at the same time under one account number, that I can not log into without auto submitting more applications? '' ( That is another point, every email references the same account, that is not an account. Not one that can be logged into without autosubmitting another application. ) I was told, of course, that they know that it is frustrating to have hard inquiries, but that I can trust them that they are only acting in their own best interest. Literally. I recorded it but accidentally had another program open and on mute so the recording is ruined, but they literally tell you that they are only operating in their own best interest. 

I '' ve attached every email that I '' ve received and sent since XX/XX/XXXX. I will be filing a police report for identity theft, and fraud, and am going to do my best to report this to any other agency that may be able to look into this racketeering scam that only exists for some reason as far as I can tell to run credit inquiries over and over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: 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 process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA section 605B ( 15 U.S.C section 1681c-2 ) that you TransUnion, XXXX, and XXXX credit reporting agencies block information appearing on my consumer credit report that is the results of Identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccuracies and false information consists of credit cards and vehicle loans opened in XXXX, XXXX, and cards from XXXX XXXX. These accounts which I've attached below resulted in several fraudulent collection calls and collections appearing on my consumer FICO credit report. I do not recognize he mentioned accounts, collections as well as hard inquiries. I have also attached a copy of the FTC identity Theft Criminal Complaint Ref # XXXX as proof from the US Federal Trade Commission that all of the mentioned consumer credit accounts, collections, are a result of the identity theft and fraud.

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 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am writing to express my concerns regarding XXXX handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. I have made numerous attempts to report discrepancies and my financial institution and XXXX failed to investigate my claims adequately. The CFPBs findings indicate that XXXX has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system. This raises consumer safety concerns.

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

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:2 4K was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
i am a victim oh XXXX XXXX  and i have supplied and furnished the cfpb and XXXX and experian with the supporting documents needed to block the information thats in result of XXXX XXXX 605c.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This Complaint is regarding the Data Breach with Equifax and Compromising My Personal information due to the breach which I was Directly effected. I disputed accounts and also asked Equifax to investigate the accounts and remove addresses tat were obviously not mine, I've sent into Equifax all information requested to verify my Identity only for Equifax to allegedly Expose my Personal information after numerous attempts to addresses and accounts removed. now there's a breach of My Information? I'm asking This information be removed.

This Complaint is being filed due to XXXX not processing or verifying the previous disputed account information and now enlighten of the Recent Lawsuit with the Consumer Financial Protection Bureau ( CFPB ) And XXXX it makes great sense, I didn't receive an accurate response from XXXX or the Creditor Under the FCRA 605 B XXXX now ahs Only days to Remove this incorrect information. 

Here is the previously Disputed account information. 

1. Company Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Amount Reported : {$1200.00} 2. Company Name : XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LAKE MICHIGAN CREDIT UNION
State: MI

Complaint narrative:
I had a bank account in XXXX  that went to collections. I paid the account off in full and was told that it wouldn't stop me from getting approved for anything in the future. since then, it has shown up as the number XXXX reason why companies don't want to lend to me and it has been almost 10 years since I had that account. It is messing with my progression and causing me to miss out on opportunities. The debt was XXXX dollars and the time it was reported in XXXX of XXXX. The company name is Lake Michigan Credit Union. The account has been paid in full since then and I have contacted the the bank, requested a goodwill removal of the negative account, and sent out multiple dispute letters with no solution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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: VA

Complaint narrative:
Im filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within XXXX 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, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.S 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in CFPB 's recent administrative proceeding. ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX 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 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I am writing to express concerns regarding Zelle 's handling disputes, in light of CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle have failed to investigate my claims adequately. They informed me that recovering lost funds were impossible and that tracking these transactions were unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

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

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) Due to their 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 Electric Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconveniences and financial loss, and I seek appropriate redress for these violations.

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

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 redres ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Reporting information on a consumers credit report without their written consent is identity theft. 
I did not give anyone written or verbal permission for them to place such information on my consumer report because my privacy rights have been violated. I am demanding the company to block and remove the report no later than 4 business days. After such information I have provided. INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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