vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I wanted to dispute the charges on my credit that I dont recall of those werent me and I want to dismiss this fraudulent assumptions on my credit, I would like to dispute all miscellaneous and unknown charges on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

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 fails 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 2025-02-09 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX, a collection account opened at XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, a Bankruptcy with XXXX XXXXXXXX XXXX XXXX XXXXXXXX opened on XX/XX/XXXX under the reference number XXXX. This fraud has lead to several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: VA

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 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX  took me and my roommates deposit they then charged us a fee claiming damage to the carpet that was done by her cat. the damage was about an inch worth of torn carpet, but they claimed that they would have to replace the entire thing. they also said they were charging us for returning the key in early, but the office would have been closed the day original key turn in date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: MI

Complaint narrative:
I am writing to file a complaint regarding the handling of my dispute concerning inaccurate and unauthorized items on my credit report. I have taken multiple steps to address these issues, but the response I have received has been unsatisfactory and continues to negatively impact my credit score. 

Summary of Events : Dispute Initiation : On XX/XX/XXXX, I submitted dispute letters via certified mail to my credit bureaus and relevant creditors regarding inaccurate and fraudulent information on my credit report. These disputes focused on unauthorized inquiries and a fraudulent account related to XXXX XXXXXXXX XXXX XXXX. 

Key Dates and Actions : Dispute letters were received by the creditors on XX/XX/XXXX, and XX/XX/XXXX. 
In response, XXXX fraudulent account/inquiry was deleted. However, other negative inquiries remain on my credit report with the following reported dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
The disputed account originally had a balance of {$700.00}, which has also contributed to the negative impact on my credit. 
Current Impact : Despite my efforts, my FICO score has decreased from XXXX to XXXX. The credit bureaus have stated that certain items are factual record file access and will remain on my report for XXXX years from the date of the inquiry, despite my assertions that these inquiries are unauthorized and fraudulent. 

Actions Taken : I submitted detailed dispute letters referencing my rights under the Fair Credit Reporting Act ( FCRA ), specifically requesting the removal of unauthorized and inaccurate information. 
I have followed up with additional requests for validation of the disputed items, including a request for proper documentation under 15 U.S.C. 1681i, which governs dispute investigations. 
I have provided supporting documentation ( copies of certified mail receipts and relevant correspondence ) to validate my claims. 
Complaint : I believe that the credit reporting agencies and the creditors involved have not fully complied with their obligations under the FCRA by failing to remove inaccurate, unauthorized, or fraudulent information from my credit report. This has led to a significant and unjustified decline in my credit score, affecting my financial wellbeing and ability to secure future credit. 

I request that the CFPB investigate this matter and ensure that my consumer rights are upheld. I am willing to provide further documentation if necessary. Please conduct a thorough review of the dispute resolution process and the information reported by the creditors in question. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: AZ

Complaint narrative:
Had automatic payment set up, which failed on its first attempt. Funds were present and available for withdraw, but I was charged a {$15.00} reversal fee. I called my bank who audited my accounts metal data to see why the payment did not go through. They said the transaction was canceled by the service. I called bridgecrest to ask them why this was and get the fee removed. They blamed the bank entirely and said they wouldn't remove it. Forced to make payment over phone for {$3.00} fee for direct card transaction. Next month I made a manual payment, same issue. I called bridgecret again they again blame the bank, I am again given another {$15.00} fee and a {$3.00} fee for direct card transaction. This month i try to make a payment on the due date, as I was told if I pay early it will be considered an extra payment and I'd still owe the payment on the due date, and they have no one to take my card over the phone being Sunday. I tried using online bill pay as the only other available option for bridgerest and my bank can not find the account in bridgecrests files to pay them. They are making it impossible to pay, this is predatory for someone just trying to scrape by in this economy

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AL

Complaint narrative:
They were harassing me calling my supervisor. I do not owe this debt at all. I never authorized a transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I've been trying to repair misinformation reported on my Transunion credit report. I have written letters, and tried to access my account online. 

Wrote letter in XX/XX/XXXX, tried accessing my Transunion account online multiple times. Took off work Friday XXXX, XXXX just to take the time to call and speak to Transunion about getting access to my account online. 

Spent hours online trying to access my account without success to only receive error messages to call Transunion. Called Transunion. Had to verify my personal information multiple times again over the phone, held on hold for a long period of time, when I did speak to a person, they took me through the same steps trying to access my account online to only receive the same error message that I needed to call Transunion. Only to be told I had to speak o their IT dept which can only be initiated through an email that takes 24-72 hours to receive. 

There is personal information being reported on my credit history which has lead to a low credit score preventing me to receive credit. I'm not even able to file a dispute. I had to file a dispute over the phone which I have no way to verify what was written. There is personal past addresses and work addresses reported which has lead to receiving daily spam calls from person ( XXXX ) asking if I want to sell my property. These are past employment work and temporary rental addresses when traveling for work purposes from XXXX years ago, that could only be leaked through my credit report. 

The letter I wrote in XX/XX/XXXX requested all personal information be removed from my report except my current address which I provided with copy of my drivers license and electric utility bill. The letter I received back from Transunions said I had to provide a copy of my social security card in order to proceed with my request. I'm not comfortable sending my social security card in the USmail due to the potential of fraud security purposes, as it is easy for anyone to obtain a paper letter lost in the mail.

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 2025-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX XX/XX/year> Credit Corp Solutions XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX UT XXXX. 

Cease and Desist Demand **VIA CERTIFIED MAIL & RETURN RECEIPT REQUESTED** To Whom It May Concern : This letter serves as formal notice under the **Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ) **, to **CEASE AND DESIST** all communication with me regarding the referenced account, effective immediately.

**1. Demand to Cease Contact : ** You are hereby directed to **stop all communication** with me, my family, employer, or any third party in connection with this debt, except as permitted by law ( e.g., confirming cessation of efforts or notifying legal action ).

**2. Legal Basis : ** - **FDCPA 805 ( c ) ** : Prohibits further contact after a written cease and desist request. 
- **State Laws** : [ Optional : Reference Ohios Consumer Sales Practices Act ( OCSPA ) 1345.01 if applicable. ] **3. Consequences of Non-Compliance : ** If you continue unlawful communication : - I will pursue **statutory damages up to {$1000.00} per FDCPA violation** ( 15 U.S.C. 1692k ).

- **TCPA violations** ( e.g., unwanted calls/texts ) may result in **up to {$1500.00} per violation**.

**4. Required Actions : ** - Confirm in writing within **10 days** that all collection efforts have ceased.

- **Cease credit bureau reporting** unless legally required.

**5. Dispute of Debt Validity : ** This notice is not an admission of liability. I reserve all rights to dispute the debts validity under FDCPA 809.

**Enclosed** : [ Optional : Include a copy of their initial collection notice if available. ] Send all legally required correspondence to my address above. Failure to comply will result in complaints to the **Consumer Financial Protection Bureau ( CFPB ) **, **Federal Trade Commission ( FTC ) **, and the **Ohio Attorney General** . 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: VA

Complaint narrative:
I just looked at my credit report and noticed some hard inquiries don't have permissible purposes according to the Fair Credit Act. Anything furnished on my credit report must permissible purposes according to 15 USC 1681 B. Here is a list of all the hard inquiries : XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>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 2025-02-09 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: NV

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 2025-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
This complaint is in regards to a very shady resolution letter In regards to me being denied my right to make a payment. 
I demand an audio copy of the actual phone call and I can prove that I was hung up on and in doing so i was denied my right to make a payment as a result of.

Wells fsrgo is claiming that the line was disconnected and refuses to send me and audio clip of the actual phone call that will prove they are making fraudulent statements and out right lying. The employees on several instances have hung up on me. Wich led me to being refused the right to pay my bill so they can implement more fees on me. 
I HAVE A LEGAL RIGHT TO THOSE PHONE CALLS AND I DEMAND UNDER LAW THAT I RECIEVE A COPY TO CROSS REFERENCE MY STORY WITH WELLS FARGOS. THEY HAVE TAKEN THE FACTS OUT OF CONTEXT AND TWISTED THEM TO THERE LIKING. I CAN ABSOLUTELY PROVE THAT WITH ACTUAL AUDIO AND NOT A TRANSCRIBED WRITTEN LETTER. 
This bank is absolutely out of control! They have been caught by the federal government engaging in illegal activities and they still are! I can prove it by them denying me lawful right to evidence that will vindicate these complaints. 
I want the phone call between me and XXXX XXXX Immediately.

Are you refusing me these particular audio calls? 
Yes or No?

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 2025-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I tried to make a purchase on XXXX. However the products was not given to me from XXXX. I contacted XXXX XXXXXXXX to try and address this. They did an investigation and refused to issue a refund. I feel like this was unresolved and I am seeking redress from XXXX XXXX for not resolving my issue

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Servicer under contract with Federal Student Aid
State: SC

Complaint narrative:
Once I disputed the XXXX on my credit report transunion made a total of XXXX changes which dropped my credit score XXXX points. I called fasfa  and they corrected it. Once removed it went up XXXX points. Made my credit card payments on time. XXXX XXXX dropped my score XXXX points because my credit card decreased. I have a few credit cards that are XXXX percent paid off more than a month ago. They still say I owe on them and they are paid off already. Why would it drop if your making your payments on time

Company response to consumer: Untimely response
Consumer complaint received 2025-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
I have had to call in multiple times to get my online profile XXXX to be able to view all of my business accounts, personal accounts, credit card ( southwest ) and credit card ( where I am an authorized user ). 

When I called in, they actually REDUCED visibility to my accounts. Then I had to call in to get me back to being able to see my bank accounts -- let alone the chase/southwest card which triggered the original call. 

I had a ticket created, where I was sold that I would be contacted in XXXX hours. However, I call in 4 days later, to be told that the ticket has not even been assigned. Meanwhile, I can not see my card info, including the current balance, awards etc. 

I also requested a credit limit increase and I they pulled my credit, and did not increase the credit ( which is poor experience and up to them ). But they did not sending me documentation for why the credit limit was not increased beyond XXXX. I mean eggs, cost XXXX, XXXX is useless.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
RE : Notice to Correct Credit Report Dear ________cfpb__________ Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record.

Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter.

Sincerely my information was exposed in the data breach

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of co
nvictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not 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 explanation