vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: OR

Complaint narrative:
I started using Square Invoices sending invoices to customers and processing payments. This worked fine for my first two transactions, until XXXX XX/XX/year> when a customer paid me through Square via an invoice I sent using their mobile app. Almost immediately Square put my account on hold for security reasons and would not allow me to transfer my customers payment to my bank account. 

I called their customer service line where their representative told me that they were unable to tell me why my account was put on hold, they were unable to tell me when it would be taken off hold, they told me it was not possible to do anything about the hold, they stated that I could not talk to anyone else about the hold, and that I just needed to wait 2 to 3 days and my money should be available to me again unless they had other questions. He also stated that I can expect this to happen again in the future randomly for with no reason. 

So essentially, my customer pays me, and if Square decides for reasons they will not disclose, they will hold my money and prevent me from accessing it with no way at all to resolve the problem other than wait for them to get to it when they want. 

Later in the day on the XXXX I received an email asking me to answer some questions. Screenshots of the questionnaire and my responses are attached, as well as the 3 documents I sent them and referenced in the form. 

On XXXX XX/XX/year>, I received the attached email stating Square has closed my account and I would not have access to my customers payment for 120 days, again without any reason given. 

This is absolutely unacceptable. This money is not theirs, it was not paid to them, it is not for a service they were providing to the customer, and they provide no recourse whatsoever for determining the cause for the initial hold, the reason my account was closed, if any conditions were violated, and no ability for me to collect the payment provided by my customer in a timely manner. Additionally, they had already processed two payments prior to this one for much larger dollar amounts without any issues or concerns about my business.

Im asking for this to be investigated by your department if at all possible. As a layperson I can see no reason why this would be a legal or acceptable business practice. As a small business owner in Oregon these actions are harmful to me, will now cause me time and money to find another system to process payments, and have made it difficult as a startup to move forward with this customers order. 

Thank you for your time and any assistance you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: DISCOVER BANK
State: OH

Complaint narrative:
Received a letter from XXXX bank stating I was denied for a credit card when I didn't apply

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am formally expressing my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, my financial institution and zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was un feasible. The CFPBs findings indicate that zelle has not only neglected to protect consumers but also allow repeat offenders to exploit the system, leaving user vulnerable to scam. This lack of accountability and transparency is unacceptable and raises serious concern about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/year>, I was connected with a XXXX XXXX who told me that she was a XXXX XXXX employee and could get me set up with airline passes. She told me the form of payment would be Cash App and that I could send it there. I paid {$1500.00} for the flight passes and we unable to get my money back through Cash App or through XXXX XXXX after that proved to be a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ) Date of Charge-Off : ( XX/XX/year> ) It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. Trequest an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ) Date of Charge-Off : ( XX/XX/year> ) It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. Trequest an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. Thank you for your prompt attention to this matter.

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 2025-02-11 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-02-11 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: TX

Complaint narrative:
There are accounts on my credit report that should not be there, and I have no connection to them whatsoever. This is not only unfair but also extremely frustrating and concerning. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, I have the right to an accurate credit report, and these errors should not be affecting me. I expect a full investigation and for these mistakes to be corrected immediately. If this isn't handled properly, XXXX have no choice but to take legal action to protect my rights.

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 2025-02-11 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: OH

Complaint narrative:
I am filing a complaint against Equifax, Experian and TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax and Experian 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.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence did 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.

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 Equifax complies with federal law and provides consumers with the necessary proof of investigation.

With Chapter XXXX Bankruptcy Also these inquiries XXXX/XXXX  Inquiry : 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  Inquiry : XXXX. XXXX, XXXX XXXX  XXXX  ( XXXX ) XXXX XXXX  XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX  ( XXXX ) XXXX XXXX XXXX XXXX  XXXX Inquiry : 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  Inquiry XXXX XXXX XXXX, XXXX Closed account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: OH

Complaint narrative:
I am filing a complaint against Equifax, Experian and TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax and Experian 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.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence did 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.

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 Equifax complies with federal law and provides consumers with the necessary proof of investigation.

With Chapter XXXX Bankruptcy Also these inquiries XXXX/XXXX  Inquiry : 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  Inquiry : XXXX. XXXX, XXXX XXXX  XXXX  ( XXXX ) XXXX XXXX  XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX  ( XXXX ) XXXX XXXX XXXX XXXX  XXXX Inquiry : 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  Inquiry XXXX XXXX XXXX, XXXX Closed account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
Subject : Inquiry Regarding Account Credit and XXXX XXXX Dear Bank of America Customer Service, I am writing to express concerns about my account ( Account Number : [ Your Account Number ] ) and the recent payment request despite a credit balance. According to House XXXX XXXX XXXX ( XXXX XXXX ) of 1933, debts can be XXXX upon payment in any coin or currency that is legal tender at the time. Additionally, my Social Security XXXX XXXX is backed by the full faith and credit of the XXXX government, which I understand can be used to offset and discharge debts. 

Upon reviewing my billing statement, I noticed a credit balance ; however, there was no indication of a negative sign or note stating " credit balance. '' In standard accounting practices, the absence of a plus or minus sign typically denotes a positive amount. Therefore, I was surprised to receive a payment request on an account that appeared to have a credit. 

I respectfully request clarification on the following : Account XXXX : Confirmation of my current account balance and the reason for the payment request despite the apparent credit. 

Application of XXXX XXXX : An explanation of how XXXX XXXX applies to my account and whether it affects my payment obligations. 

Social Security XXXX XXXX Offset : Information on whether my Social Security XXXX XXXX can be utilized to offset this debt. 

Please provide a detailed response to these inquiries at your earliest convenience. I can be reached via email at XXXX. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX DC XXXX Sources

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 2025-02-11 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 writing to formally dispute the accuracy of late payments reported on my XXXX XXXX account : Account Number : XXXX XXXX which are negatively affecting my creditworthiness. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act - FCRA ), I have the right to dispute inaccurate or unverifiable information on my credit report. 

Disputed Late Payments Account Number : XXXX XXXX Date of Late Payment : XXXX XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX Legal Basis for Removal 15 U.S.C. 1681i ( FCRA ) : You are required to investigate all disputed items within 30 days. If XXXX XXXX can not verify these late payments with complete and accurate documentation, they must be deleted from my credit report immediately. 
15 U.S.C. 1681s-2 ( a ) ( FCRA ) : Creditors must report only accurate and verifiable information. If XXXX XXXX can not prove the legitimacy of these late payments, they must be removed under the law. 

Request for Immediate Action I request that you : 1. Conduct an immediate investigation into these late payments. 
XXXX. Request XXXX  XXXX to verify the accuracy of these late payments. 
3. Remove any unverifiable late payments from my credit report.

4. Provide a written response within 30 days as required by law.

Failure to Comply If these late payments are not removed, I will : File formal complaints with the CFPB and my State Attorney General for violations of the FCRA. 
Consider legal action for any damages caused by this inaccurate reporting. 

Please confirm in writing once these corrections have been made. If you require additional information, feel free to contact me. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-02-11 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 am writing to formally dispute the accuracy of late payments reported on my XXXX XXXX account : Account Number : XXXX XXXX which are negatively affecting my creditworthiness. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act - FCRA ), I have the right to dispute inaccurate or unverifiable information on my credit report. 

Disputed Late Payments Account Number : XXXX XXXX Date of Late Payment : XXXX XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX Legal Basis for Removal 15 U.S.C. 1681i ( FCRA ) : You are required to investigate all disputed items within 30 days. If XXXX XXXX can not verify these late payments with complete and accurate documentation, they must be deleted from my credit report immediately. 
15 U.S.C. 1681s-2 ( a ) ( FCRA ) : Creditors must report only accurate and verifiable information. If XXXX XXXX can not prove the legitimacy of these late payments, they must be removed under the law. 

Request for Immediate Action I request that you : 1. Conduct an immediate investigation into these late payments. 
XXXX. Request XXXX  XXXX to verify the accuracy of these late payments. 
3. Remove any unverifiable late payments from my credit report.

4. Provide a written response within 30 days as required by law.

Failure to Comply If these late payments are not removed, I will : File formal complaints with the CFPB and my State Attorney General for violations of the FCRA. 
Consider legal action for any damages caused by this inaccurate reporting. 

Please confirm in writing once these corrections have been made. If you require additional information, feel free to contact me. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation