vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates 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 the 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 2025-03-17 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: FL

Complaint narrative:
XXXX XXXX XXXX was offering a soft pull pre aproval check for members. I ran that pre aproval check but imediately they made a hard pull inquiry in my Experian and XXXX credit reports. 
I called XXXX XXXX several times to have this issue fixed but it didn't work out.

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 2025-03-17 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
I applied for the Servicemembers Civil Relief Act ( SCRA ) in XXXX XXXX on XX/XX/XXXX of the current year sending a copy of my orders and the information required for the process, received and answer the next day saying that they was going to verify my request to get approved, they reject my SCRA request in XX/XX/XXXX saying that only works with debts prior your XXXX XXXX service, the thing is that im stationed in XXXX with orders, knowing that there is a state law ( RS 29:422 ) in LA that states that XXXX XXXX members can apply for the benefits.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Collection Bureau, Inc.
State: WI

Complaint narrative:
I received a XXXX XXXX collection bill. on XX/XX/year> I faxed the request debt validation to XXXX. I asked for the following, written agreement with my signature on it to pay and proof that united collection bureau are authorized to collect on behalf creditor, a calculation of the balance ( including complete payment history, chain assignment form, a forward flow agreement, copy of the creditors state license with license number on it, also i asked for the purchased agreement of the debt, the insurance claim of the debt. i received a letter dated XX/XX/year> i received all statements of credit card, i received nothing i asked for. I am requesting this all be removed from my credit file since they can not provide any documentation i asked them to. A credit card statement is not sufficient validation when i asked for multiple items and documentations. United collection burau sent a letter that enclosed the account statements, that's all and i requested more documentation that was not provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-03-17 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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
My name is XXXX XXXX please add this new complaint to CFBP case number XXXX I need dispute claim XXXX amount is {$40.00} to be reopen or appeal to be reopen and investigate again because I disagree with the old decision on it and send me the new decision for it and do the same thing for the other claims thats is open still in investigation reopen them and investigate again and give me the new decision for it and do the same thing for the denied ones too and look at my attachment below please and look me know how many dispute is still open for investigation and for the claim amount for {$40.00} put the credit reverse on hold from XXXX until they have a new decision on it or put the credit back into my account for {$40.00} or give me a onetime credit for {$40.00} because I need that amount really badly checking account number is XXXX and saving account number is XXXX etc.

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 2025-03-17 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: NJ

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-17 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: NJ

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: MO

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S.Code 1681e ( byccuracy of report Whenever a consumer roporting agency prepares a consumer report, it shal follow reasonable procedures to assure the madmum possitle accuracy of the information concerning the individual about whom the report relates.

15 U.S.Code 1681i ( 5 ) Treatment of inaccurate or unverifable information ( A ) in general it, after any reinwvesigation under paragraph ( 1 ) of anty intormation disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified.

the consumer reporing agency shall- <prompty delete that item of information from the fie of the consumer, or modify that item of information, as appropriate, bused on the resuts of the reinvestigation; and ( i ) prompty notity the fumisher of that information that the information has been modified or deleted from the fie of the consumer. 
Please romove the followirig items trom my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: ID

Complaint narrative:
On XX/XX/XXXX, I was informed by US Bank ( where I had my checking and savings accounts ) that my accounts were placed on hold by their Risk Department. I had numerous phone calls with the branch manager of the local office who said that she was waiting on a response fom the Risk Department to get more information on the hold and to see if they could release it so I could use my account. 

On the morning of XX/XX/XXXX, I found out that my accounts has been closed by the Risk Department and there was no further information that they could provide. Aside from the fact that their actions were just so blunt and without cause, this bank screens everything like they're the damn XXXX!!! I have gotten ZERO resolution and they closed my account for no reason whatsoever!! I think they were relating this account to an old checking account that was closed on me in XXXX. There was an amount I owed on that old account and they had written it off. I eventually paid it back in full and was able to open another account with US Bank this past XXXX. However, they just closed out this new account, which had no affiliation with the old account, and they aren't even giving me the time of day.

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 2025-03-17 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure. 
4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America claims they denied my loan after over several days of waiting stating that my debt to income ratio was too high. Both myself and the dealership could not understand as we both know this loan should not have been that difficult. Additionally, I noticed that someone from Bank of America viewed my XXXX profile just before the denial was communicated to me. What reason would they have to view my profile? Im certain it wasnt to verify employment as XXXX is not an employment verification and I had already submitted proof of income and employment using my Workday pay statements. This is clear evidence that I was discriminated against due to race and BoA did not want me to drive around in a Lucid.

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 2025-03-17 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
I filed a dispute with all three credit bureaus and stated the frca laws and XXXX XXXX standard that were being broken and not up held. The debt was sold to a third party company and my obligation was not with the third party company. I didnt have an agreement or obligation with the third party company. The original company sold my debt without my knowledge or permission

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 2025-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Well Fargo opened up a credit card account in my name without an application from me or approval from me saying I wanted a credit card account with them. After researching this seems like something they've done in the past to people.

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 2025-03-17 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-17 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: CA

Complaint narrative:
i HAVE SENT 2 IDENTITY THEFT REPORTS OF THE SAME ONE ON XX/XX/XXXX AND XX/XX/XXXX BOTH OF XXXX  FEDERAL TRADE COMMISSION SENT IDENTITY THEFT TO EQUIFAX ON XX/XX/year>XXXX  EQUIFAX REPRESENTATIVES KEEP GIVING ME THE RUN AROUND STATING MY IDENTITY THEFT FORM WAS INVALID. WHEN THE FEDERAL TRADE COMMISSION COMPLETED IT ON XX/XX/year>XXXX  AND ON XX/XX/year> THEIR EQUIFAX SUPERVISOR HELPED ME TO COMPLETE THE IDENTITY FORM CORRECTLY. 

THIS IS MY 4TH TIME OF SUBMITTING THIS IDENTITY THEFT FORM AND EQUIFAX KEEPS FRAUDELENT INFORMATION ON MY CREDIT REPORT AFTER 9 YEARS AND STILL REFUSES TO REMOVE OR BLOCK THE XXXX XXXX XXXX ACCOUNT OFF OF MY CREDIT REPORT. 

MY IDENTITY THEFT FORM IS CORRECT AND THERE IS XXXX ERRORS ON IT. I HAVE ATTACHED IT FOR THE XXXX TIME SINCE XX/XX/XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IN

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 for these violations. seek appropriate redress

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TekCollect Inc.
State: NY

Complaint narrative:
I had a contract with XXXX company in exchange for getting treatment for my teeth and receiving aligners. The company went bankrupt, closed all stores, stopped responding to any calls or emails during my treatment. I stopped paying the monthly payments when I stopped receiving aligners because the treatment was not complete and therefore, they did not fulfill their contract duties. XXXX XXXX XXXX kept sending me emails that I owe money, but I dont. Because they breached the contract. Now they sent me to debt collections and an agency called Tek Collect is reaching out to me to collect payments. They also added it to my credit reports and affected my credit score. I reached out to them via email to dispute the debt explaining everything and that I do not owe any money. I also requested documentation of any charges I owe and why. They never responded back to me. I need this to be resolved and removed from my credit report. I have proof and documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my fe

derally protected consumer rights to privacy confidentiality under 15 USC 1681. Acco
unt name : XXXX XXXX account number XXXX, Account name : Child support XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And 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 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or 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 results of the reinvestigation, and ( ii ) promptly notify the furnished of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are supposed to 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 2025-03-17 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: SC

Complaint narrative:
In accordance with the fair credit reporting act the following accounts has violated my rights : These hard inquiries are fraudulent and do not belong to me. 

EXPERIAN 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 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