vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MO

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 action 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 2025-02-10 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: SC

Complaint narrative:
Accounts includes XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, to say the least. These accounts range from under {$300.00} to {$8000.00} each. For some I was able to speak with the original creditors attorneys after being served with court documents where I had to provide them with a police report showing ID theft. I am still awaiting their review since they motioned for a continuance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living 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 2025-02-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC
State: FL

Complaint narrative:
More than 4 collections are showing up on my credit report. I believe this company is a scam, It is NOT XXXX  Accredited and I am being called multiple times a day.

Capio Partners LLC, is unauthorized, NOT bonded or licensed in the State of Florida. When asked to take it off of my credit, they dont respond or hang up, Yet still continue to call me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I have been working to assume a mortgage with Chase bank for almost a year. The first application was denied due to them failing to read my notes on the application. The current application continues to drag out. They continuously request the same documents over and over that I have already provided. The employees on the assumption team never answer and requires me to leave a voicemail. The return phone calls take up to a week, or never get returned at all. I just received a voicemail today requesting documents that I sent 3 weeks ago. If I didn't provide them within 5 days, my file will be closed according to the message. This assumption is due to a divorce. I receive threatening phone calls daily due to this not being completed, yet Chase could not care less. I was even told at one point, " it will be easier to just refinance. '' That should have been my first red flag. This company is purposely making any excuse to deny this assumption and force a refinance. After a quick google search, I see multiple threads ( mainly on XXXX ) documenting the same hurdles that I have gone through. Where is the accountability? At this point, I know it's deliberate. I have a personal history in mortgage lending and I know I am an applicant that would easily qualify. This is a loan I am not looking to add money to, change, or anything else, that I have paid on time for years now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 non-monetary relief
Consumer complaint received 2025-02-10 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: WA

Complaint narrative:
I completed the Identity theft paperwork and I need these accounts off my credit now. This is so unfair for me to have to deal with these accounts that are not mine. If they dont process it right can you add me to the lawsuit please.

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: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Exeter Finance, LLC.
State: NC

Complaint narrative:
XXXX XXXX XXXX ( Exeter Finance LLC ) I never received nothing from these people they opened a dept in my name on XX/XX/XXXX for {$9600.00} dollars XXXX XXXX XXXX Opened XX/XX/XXXX for {$720.00} dollars it was updated on XX/XX/XXXX Exter Finance XXXX XXXX opened XX/XX/XXXX for {$20000.00} updated XX/XX/XXXX ( Says last payment XX/XX/XXXX paid off 100 % )

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: Block, Inc.
State: PA

Complaint narrative:
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 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
" Method of Verification Dispute Notice : Request to Reinvestigate & Delete Inaccurate personal infomation I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. ''

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 2025-02-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
I am filing a formal complaint against the collection agency for violating my rights under the following laws : 12 CFR 1006.34 ( b ) ( 5 ) Failed to provide the name and mailing information of the original creditor.

12 CFR 1006.34 ( c ) ( 4 ) ( i ) Did not include an itemization date for the alleged debt.

12 CFR 1006.34 ( d ) Did not provide a clear and conspicuous validation notice.

15 USC 1681s-2 ( 7 ) ( A ) Reported inaccurate or unverifiable information to credit bureaus without proper investigation.

I formally dispute owing any debt to the collection agency and revoke all communication via phone, text, or email, requiring all correspondence be conducted in writing via U.S. mail.

I request full debt validation, including a breakdown of the alleged debt, proof of its enforceability, and a copy of the purchase agreement between the agency and the original creditor. Additionally, I demand proof that the agency is licensed and bonded to collect debts in my state.

Due to these violations, I urge the CFPB to investigate and hold this agency accountable. I also request the immediate removal of this improperly reported account from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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 writing to express my concerns regarding Zelle handing out diluted I. Light of the recent CFPB lawsuit and issues with the Zelle. I used Zelle numerous of times and have reported some issues they didnt do anything about my problem .CFPB findings indicate that Zelle has not only neglected to protect consumers but also allowed repeated offenders/companies to exploit the system leaving users vulnerable to scams.please help with these concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: GA

Complaint narrative:
I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-02-10 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 XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-02-10 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: NM

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX 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 non-monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Klarna AB
State: IL

Complaint narrative:
I reached out to Klarna about an order that I noticed on my account that I didnt place for XXXX  and I am making this complaint because everytime I reach out to Klarna they dont do a thorough job

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: AR

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX 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 2025-02-10 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: AR

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 2025-02-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: NE

Complaint narrative:
My personal and financial information was compromised without my authorization. FERPA protects the confidentiality of student records. The breach violates the contract and renders it null and void. The student loan database was breached by a person not elected to government without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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 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 2025-02-10 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: SC

Complaint narrative:
I am writing to file a formal complaint regarding Experian 's failure to comply with the Fair Credit Reporting Act ( FCRA ), particularly the following provisions : 15 USC 1681e ( b ) - Duty to Ensure Maximum Possible Accuracy of Credit Reporting 15 USC 1681s-2 - Duty of Furnishers of Information to Report Accurate Information 15 USC 1681i ( 5 ) - Duty to Conduct Proper Investigations of Disputes 15 USC 1681c ( c ) - Duty to Remove or Correct Outdated or Inaccurate Information I have made multiple attempts to dispute inaccuracies on my credit report with Experian, but the company has failed to investigate the issues thoroughly or correct the errors as required by law. Despite sending letters disputing these inaccuracies, Experian has not properly investigated or addressed my concerns. Furthermore, the errors in question continue to negatively impact my XXXX XXXX and my ability to access credit, housing, and employment. 
I recently became aware of a lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian, which accuses the company of conducting sham investigations and failing to remove or reinsert errors on credit reports. This lawsuit demonstrates a pattern of non-compliance with the FCRA and is relevant to my complaint. I believe XXXX actions ( or lack thereof ) in my case align with the issues raised in the CFPBs lawsuit. 
I respectfully request that the CFPB investigate XXXX 's handling of my disputes, ensure they are in compliance with the FCRA, and take appropriate enforcement actions to resolve my issues. I also request that Experian be required to remove any inaccurate or outdated information from my credit report, as it is harming my financial standing.

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 2025-02-10 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: SC

Complaint narrative:
I am writing to file a formal complaint regarding Experian 's failure to comply with the Fair Credit Reporting Act ( FCRA ), particularly the following provisions : 15 USC 1681e ( b ) - Duty to Ensure Maximum Possible Accuracy of Credit Reporting 15 USC 1681s-2 - Duty of Furnishers of Information to Report Accurate Information 15 USC 1681i ( 5 ) - Duty to Conduct Proper Investigations of Disputes 15 USC 1681c ( c ) - Duty to Remove or Correct Outdated or Inaccurate Information I have made multiple attempts to dispute inaccuracies on my credit report with Experian, but the company has failed to investigate the issues thoroughly or correct the errors as required by law. Despite sending letters disputing these inaccuracies, Experian has not properly investigated or addressed my concerns. Furthermore, the errors in question continue to negatively impact my XXXX XXXX and my ability to access credit, housing, and employment. 
I recently became aware of a lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian, which accuses the company of conducting sham investigations and failing to remove or reinsert errors on credit reports. This lawsuit demonstrates a pattern of non-compliance with the FCRA and is relevant to my complaint. I believe XXXX actions ( or lack thereof ) in my case align with the issues raised in the CFPBs lawsuit. 
I respectfully request that the CFPB investigate XXXX 's handling of my disputes, ensure they are in compliance with the FCRA, and take appropriate enforcement actions to resolve my issues. I also request that Experian be required to remove any inaccurate or outdated information from my credit report, as it is harming my financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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: MI

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 ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation 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 shalli ) 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 furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : 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