vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ), the accounts listed below have violated my federally protected consumer rights regarding privacy and confidentiality. Specifically, these violations include : 15 U.S.C. 1681c-2 Failure to block information resulting from identity theft 15 U.S.C. 1681 Congressional findings and statement of purpose 15 U.S.C. 6801 Failure to protect nonpublic personal information 12 CFR 332.4 Failure to provide an initial privacy notice to the consumer 15 U.S.C. 1681i Failure to follow procedures for disputes regarding accuracy 15 U.S.C. 1681n Civil liability for willful noncompliance 15 U.S.C. 1681o Civil liability for negligent noncompliance 15 U.S.C. 1681b Obtaining and using consumer reports for impermissible purposes 15 U.S.C. 1681s-2 Furnishers failure to meet responsibilities when reporting to consumer reporting agencies 15 U.S.C. 1691e Civil liability for violations of the Equal Credit Opportunity Act 15 U.S.C. 1692e False or misleading representations in debt collection 15 U.S.C. 1692d Harassment or abuse in debt collection 15 U.S.C. 1692f Engaging in unfair debt collection practices 15 U.S.C. 1692c Unlawful communication practices in debt collection 15 U.S.C. 1681q Obtaining consumer information under false pretenses 15 U.S.C. 1666b Failure to comply with payment timing requirements 15 U.S.C. 1681e Failure to implement proper compliance procedures grow credit Opened XX/XX/year> {$26.00} XXXX XXXX XXXX opened XX/XX/year> These violations constitute a direct infringement of my federally protected consumer rights. I request immediate action to rectify these infractions in accordance with applicable federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
This issue is with Capital One Auto Loans. Their collection dept has called me numerous times about a past due auto payment on a XXXX XXXX XXXX. I have never had a Capital One auto loan nor have co-signed for one. They claim the borrower lives in Florida. I have never lived in Florida. They call me at all hours. Dont know if this is identity fraud or their jump to conclusions that all named XXXX XXXX must be their borrower.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: MA

Complaint narrative:
Re : Complaint Against Square Merchant Services Regarding Withheld Funds Dear Sir/Madam, I am writing to file a formal complaint against Square Merchant Services concerning a significant delay in the disbursement of funds related to a transaction conducted through their platform. 

Transaction Details : Date of Transaction : XX/XX/XXXX Customer Name : XXXX XXXX Item Purchased : XXXX XXXX  XXXX XXXX XXXX Transaction Amounts : XXXX XXXX XXXX XXXX : {$7000.00} XXXX XXXX : {$600.00} Total Amount : {$7600.00} Business Information : Business Name : XXXX XXXX XXXX XXXX  Address : XXXX XXXX XXXX XXXX, XXXX, MA XXXX Banking Institution : XXXXXXXX XXXX XXXX Account Name : XXXX XXXX  Issue Description : On XX/XX/XXXX, my customer, XXXX XXXX XXXX owner of XXXX XXXX XXXX XXXX XXXX, purchased a vehicle from my dealership using Square 's payment processing services. The total amount of {$7600.00} was charged across two transactions : {$7000.00} via XXXX XXXX  XXXX XXXX and {$600.00} via XXXX XXXX. 

Despite providing all necessary business documentation, including banking information and Employer Identification Number ( EIN ), Square has failed to release the funds to my business account. Repeated attempts to resolve this issue with Square 's customer support have been unproductive. Their latest communication indicates that the funds may be held for up to three months before being released back to the customer, which is unacceptable. 

This delay has caused significant distress to both my customer and my business operations. XXXX XXXX has contacted her banks, which have advised that the matter requires resolution between Square and my dealership. 

Requested Resolution : I am seeking immediate intervention from the Consumer Financial Protection Bureau to : Facilitate the prompt release of the {$7600.00} to my business account at XXXX XXXX. 
Ensure that Square revises its policies to prevent such undue delays in fund disbursement in the future.

Enclosed are copies of the transaction receipts, correspondence with Square, and relevant bank statements.

Thank you for your attention to this matter. I look forward to a swift resolution.

Enclosures : Transaction receipts Email correspondence with Square

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 if the person knows or has reasonable cause to believe that the information is innacurate

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 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Ive noticed that your company has inquiries on my credit report that I never gave permission for.

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 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
As a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and the FCRA standards of reporting. 

The following accounts have billing error Under 15 USC 1666B and must be resolved immediately. 


Account Name : XXXX XXXX XXXX XXXX # XXXX  -- Opened on XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I was never late on this account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete this alleged late payment from my credit report per 15 USC 1666B ( a creditor may not treat a payment on a credit card as an open ended consumer 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 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are fraudulent items on my credit report that resulted from the unauthorized use of my personal information. I have never had any association with these transactions, nor have I benefited from them in any way. Taking this matter seriously, I promptly filed a report with the Federal Trade Commission and followed all necessary steps to resolve the issue. However, despite my efforts, these fraudulent items remain on my credit report. This situation has been incredibly frustrating, as I am unfairly suffering the consequences of someone elses misuse of my information. The continued presence of these unauthorized accounts is damaging my financial standing and preventing me from moving forward.

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 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Servicer under contract with Federal Student Aid
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX I have XXXX student loans on my credit report that are not mine. 
I am a permanent resident that didn't get my social security number ending XXXX XXXX. My credit report shows that I have XXXX student loans on my credit report from XXXX, XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Im writing out of sheer frustration because Ive noticed consistent inaccuracies in my report that are seriously impacting my scores. These errors arent just numbers on a page; theyre affecting my future opportunitieswhether its access to better financing options or even job-related prospects. Its exhausting to keep seeing mistakes that Ive had no control over damage my credibility and limit my progress. Ive worked too hard to let incorrect information pull me backward.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
To Whom it May Concern, I am writing in response to your letter dated XXXX XXXX regarding the alleged debt referenced as Account number XXXX. 

I am requesting validation of this debt, as is my right under the Fair Debt Collection Practices Act ( FDCPA ). Please provide the following information : The amount of the debt. 
The name of the creditor to whom the debt is currently owed. 
A copy of any documentation, including the original signed agreement, that verifies I owe this debt. 
A detailed history of the debt, including the date it was incurred, payments made, and any interest or fees applied. 

Until this information is provided, I do not acknowledge this debt, and I request that you cease any further collection efforts on this account. If you are unable to provide validation, I ask that you promptly remove this debt from your records and cease all collection activities.In addition, it should be deleted from all credit reports ( Transunion, XXXX, equifax ). 

Please note that any further communication or action regarding this matter should be directed to me in writing via email at XXXX. 

Thank you for your attention to this matter. I look forward to receiving the requested validation in a timely manner. 

Sincerely, 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 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent Equfax the information about XXXX XXXX removed info from my credit report and re entered it a week later to cause my score to drop. XXXX took over from XXXX XXXX. I have court documents that says that I defaulted on XXXX on XX/XX/year>. So, when it was originally removed it should have been removed permanently. Equfax did not investigate my case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me 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 2025-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: P&B Capital Group, LLC
State: TX

Complaint narrative:
P & B LLC has been calling and texting my phone number after asking them to stop several times. They use several numbers XXXX, XXXX, XXXX, XXXX, XXXX, XXXX when texting and the message wants me to call XXXX. I have responded to their text messages with STOP several times. At this point its just harassment. I am not associated with XXXX XXXX who they keep calling for and have never met the person. The guy who calls is very rude. stating I must be some kind of XXXX XXXX  because I told him the frequent calls and text were not legal after asking them to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information XXXX adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

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 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: RI

Complaint narrative:
I have filed multiple disputes regarding transactions on my Cash App account, but they have not been resolved. Cash App has not taken accountability for the missing funds. I can provide evidence demonstrating a pattern of unresolved disputes on their platform. Their negligence has caused me significant pain and suffering. I have documented how Cash App has handled these disputes, and I plan to submit this documentation along with emails that show their neglect in protecting my account.

Banking and Consumer Protection Acts : Banking Act Regulation of Banks : Establishes the framework for the regulation and supervision of banks to ensure their safety and soundness.

Consumer Protection : Includes provisions to protect consumers from unfair banking practices. 
XXXX XXXX : Provides insurance for deposits to protect consumers in case of bank failures. 

Consumer Protection Act Unfair Practices : Prohibits unfair, deceptive, or abusive acts or practices in consumer finance.

Consumer Rights : Ensures consumers have the right to receive clear and accurate information about financial products and services. 
Complaint Handling : Establishes procedures for handling consumer complaints and disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
As a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and the FCRA standards of reporting. 

The following accounts have billing error Under 15 USC 1666B and must be resolved immediately. 


Account Name : XXXX XXXX XXXX XXXX # XXXX  -- Opened on XX/XX/year>

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 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
As a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and the FCRA standards of reporting. 

The following accounts have billing error Under 15 USC 1666B and must be resolved immediately. 


Account Name : XXXX XXXX XXXX XXXX # XXXX  -- Opened on XX/XX/year>

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