vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: DC

Complaint narrative:
On XX/XX/XXXX, 2022- I attempted to Send money to a friend ( XXXX XXXX XXXX on CashApp. I entered her phone number, but did not realize that the recipient that populated was XXXX XXXX after the ( {$50.00} ) payment was sent. I immediately reached out to CashApp Support for assistance in canceling the transaction, and after reporting this incident, I was advised to reach out directly to the recipient to obtain a refund. I made multiple requests for the refund directly with the recipient- which were denied. I was never refunded and my request for an investigation was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: TX

Complaint narrative:
This was considered closed and are still reaching out to me for payment on something that was proven I did not owe. To prevent further complications that sounds like a threat.

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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally dispute inaccuracies on my credit report. I know the recent findings by the Consumer Financial Protection Bureau ( CFPB ), highlight that Equifax has engaged in improper practices when handling consumer disputes. Specifically, the CFPB has alleged the following : 1. Failure to Properly Investigate Disputes : Conducting sham investigations that fail to adequately address consumer concerns, including using faulty intake procedures and failing to notify consumers about investigation results.

2. Reinsertion of Inaccurate Information : Allowing deleted inaccuracies to be reinserted on credit reports due to a lack of proper matching tools and safeguards.

3. Violation of the Fair Credit Reporting Act ( FCRA ) : Failing to adhere to federal requirements regarding dispute resolution and accuracy in consumer reports.

As per these allegations, I am concerned that the inaccuracies on my report may have resulted from such practices. The disputed information includes showing proof that my personal information has been leaked and used for another persons gain, without my knowledge. 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 I am providing documentation to support my claim, including : Police Report, FTC ID Theft Affidavit Dispute letter, ID social security number.

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: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
On XX/XX/year>, I went onto the XXXX XXXX website to purchase flights and saw an offer from Citibank for an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The " Limited-Time Special Offer '' stated " Earn XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  plus travel benefits. Bonus miles earned after {$3500.00} in purchases within the first 4 months of account opening ''. I opened the account online on XX/XX/year>, and used the new card to purchase my airline tickets. I far exceeded the purchase requirement, charging over {$7600.00} in purchases after just XXXX months. Citi awarded me only XXXX bonus miles. I have made many phone calls to Citi as well as XXXX XXXX over the past couple months. Neither will honor the promotion that was advertised when I opened the account. I have screenshots of the offer and have provided them to Citi and XXXX XXXX, but to no avail. I have attached screenshots of the offer to this complaint.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I did not authorized these companies to run my credit it's fraudulent.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 Zelle 's 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 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 2025-01-29 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:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This was an error that they did not fix Experian failed to fulfill its legal obligation under the fair credit report failed to remove any disputes on my credit

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: KY

Complaint narrative:
Cash app is the most stupid digital wallet that I have ever seen. Cause they closed my account and will not even open it back up for me. And if u send money and it accidentally goes to the wrong person they won't even give u your money back and I think that's wrong too. And they won't explain nothing all they say is against companies terms or policy 's that goes against our rules and regulations. And I think that's a bunch of bull too. Cause they should have to explain everything to u not just say that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
A debt collector back on XX/XX/XXXX know as XXXX XXXX and I did not purchase so I contact the local company in XXXX and I contact XXXX XXXX and she stated the individual name was XXXX XXXX out of XXXX Tx. So this was not me at all .This is a constant back in fourth with Equifax and Formally known as XXXX XXXX. Old debt XX/XX/XXXX also they falsely claimed last payment XXXX and thats not true. I do not even drive lol ( due to XXXX  ) They did not have my address and this individual was in XXXX Tx. I have send police case number several time 's for the past 7 years. This is mental health draining. This has cause mental health issues now Im on medication due to this. They constantly post falsifying information. This collection did not even have the right name. That contract had XXXX. / information from XXXX Tx. Equifax has also failed to follow protocol on investigation. This has harm my credit tremendously. Also the hard inquiries I did not get permission to look or run my credit report. 120 points down SINCE XX/XX/XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize my credit to pulled for no automobile. ( Due to XXXX ) When you Call Equifax you go through all different types of commotion to get someone on line. I have send mail over the years for these items to be deleted off my credit file.

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 — Account status incorrect
Company: Kriya Capital, LLC
State: NV

Complaint narrative:
Nature of Complaint : Credence Resource Management has reported a collection account on my credit report that is inaccurate and has caused significant harm to my credit score. Despite my repeated attempts to resolve this issue with the company, they have failed to provide proper validation documents as required by law.

Legal Basis : Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I have the right to request validation of any debt being collected and to dispute any inaccurate information on my credit report. Credence Resource Management has failed to comply with these legal requirements.

Request for Action : I request that the CFPB investigate this matter and take appropriate action to ensure that Credence Resource Management removes the inaccurate collection account from my credit report and corrects any errors.

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:
MY NAME IS XXXX XXXX I AM SUBMITTING THIS COMPLAINT ON THE BEHALF OF MYSELF. THERE IS NO OTHER COMPANY DISPUTING ON MY BEHALF. PLEASE DO NOT SEND ME A AUTOMATED RESPONSE! ALL DOCUMENTS WILL BE INCLUDED FOR THIS DISPUTE!

I did not give expressed written consent to or authorize any third party consumer reporting agency to furnish data on the following accounts and I have a right to privacy, please be reminded no consent is identity theft : I did not give expressed written consent to or authorize any third party consumer reporting agency to furnish data on the following accounts and I have a right to privacy, please be reminded no consent is identity theft : XXXX. XXXX ACCOUNT NUMBER : XXXXXXXX XXXX XXXX  ACCOUNT NUMBER : XXXX XXXX. XXXX ACCOUNT NUMBER : XXXX XXXX. XXXXXXXX XXXX ACCOUNT NUMBER : XXXXXXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX. XXXX XXXX ACCOUNT NUMBER : XXXXXXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX. XXXX ACCOUNT NUMBER : XXXX Please pronmtly remove this data within 4 bbusiness days pursuant to 15 USC 1681-c-2 to aviod any furthur legal proceedings. Thank you for your timely compliance!

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

Complaint narrative:
I am writing to formally dispute unauthorized hard inquiries on my credit report. After reviewing my report, I noticed the following entries contain errors and were made without my authorization : 1. Account Name : XXXX  XXXX XXXX Inquiry Date : XX/XX/year>. 

I have not given permission or consent for these inquiries, and under the Fair Credit Reporting Act ( FCRA ), only authorized and legitimate inquiries should appear on my credit report. I request that these unauthorized hard inquiries be removed immediately.

Under the FCRA, I am requesting : 1. A thorough investigation of the inquiries listed above.

2. Removal of any unauthorized inquiries.

3. An updated copy of my credit report reflecting these corrections.

Please conduct a thorough investigation and provide me with a written response regarding the outcome within 30 days, as required by law.

Thank you for your attention to this matter. I look forward to your prompt resolution of these inaccuracies.

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 card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> cfpb Consumer Financial Protection Bureau Ph. XXXX Subject : Dispute Dear cfpb I hope this letter finds you well. I am writing to formally dispute the [ nature of the issue, e.g., a billing charge, an incorrect transaction, etc. ] on my account. The details of the dispute are as follows Attachment.

I have reviewed my records and believe the charge/transaction is incorrect. [ Provide any supporting information or evidence you have, such as receipts, statements, etc. ] I kindly request that this matter be investigated and resolved as quickly as possible. If further information is needed from my side, I would be happy to assist.

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 
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: EQUIFAX, INC.
State: UT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Charge-Off on My Credit Report Under 15 U.S.C. 1681i Dear Equifax Dispute Department, I am writing to formally dispute the accuracy of a charge-off that appears on my credit report. According to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure the completeness and accuracy of the information included in a consumers credit report.

The charge-off in question appears to be inaccurate and unverified. Therefore, I am requesting that you : Conduct a thorough investigation of this item in compliance with 15 U.S.C. 1681i.

Verify the validity of this charge-off directly with the original creditor.

Remove the item from my credit report if it can not be verified or is found to be inaccurate.

Laws Being Violated : 15 U.S. Code 6801 : Protection of personal information.

15 U.S. Code 6802 : Obligations regarding the disclosure of personal information.

15 U.S. Code 6803 : Disclosure of privacy policies.

15 U.S. Code 1681e ( b ) : Accuracy of credit reports.

15 U.S. Code 1681a ( d ) ( 2 ) : Exclusion of certain transactions from credit reports.

18 U.S. Code 1028A : Aggravated identity theft.

These violations indicate a failure to protect my consumer rights under federal law. If the charge-off can not be verified as accurate, it must be promptly removed from my credit report.

Relevant Law : 15 U.S.C. 1681i This section of the FCRA requires consumer reporting agencies to investigate disputed information. Specifically : ( a ) Reinvestigation of Disputed Information ( 1 ) Reinvestigation Required : If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer, and the consumer notifies the agency directly of such dispute, the agency shall conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate, and record the current status of the disputed information, or delete the item from the file, within 30 days.

As stated by law, you are required to complete your investigation within 30 days and provide me with a written response.

To assist in your investigation, I am including copies of my identification and proof of address. Please confirm receipt of this dispute and notify me once the necessary corrections have been made.

Thank you for your prompt attention to this matter. You may contact me via email at XXXX or by mail at the address provided above. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
The apartment is in my sister 's name I never stayed there I have my own place to stay at the same time my sister was getting the apartment. I received a phone basically stating that If I don't pay them that this was going on my credit report this was never a joint agreement this is not my debt.

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: Block, Inc.
State: SC

Complaint narrative:
I am filing a complaint against ( 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 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 due to personal information being available and given to undetermined supposed customer service people. 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IA

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: 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: CA

Complaint narrative:
I am filing a complaint against XXXX and TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX and TransUnion 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, XXXXXXXX XXXX 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. 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 non-monetary relief