vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Federal 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 at ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XXXX XX/XX/2025 {$6400.00} was withdrawn from my account without authorization to pay a loan with the same bank. I was in talks with the bank prior to settle the debt, but they just withdrew it without authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My credit report has been shared without my permission. Can you resolve this matter as soon as possible thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit report has been shared without my permission. Can you resolve this matter as soon as possible thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: TX

Complaint narrative:
I am filing this complaint regarding inaccuracies in my credit report that have not been resolved despite my attempts to address them with the appropriate credit reporting agencies. I feel like a lot of these misunderstandings come from my father also having my exact same first, middle and last name. We do not have a XXXX or XXXX to differentiate us, other than our socials and birthdates. 

Incorrect Name and Address : My credit report contains incorrect names and addresses that do not belong to me. 
I have provided my accurate personal information to the credit bureaus, but the errors persist. 

Unauthorized Collections Accounts : My credit report includes collections accounts that I am not aware of and have no knowledge about. 
These accounts appear to be either fraudulent or mistakenly attributed to my credit profile. 

Steps Ive Taken : I have previously reached out to the credit reporting agencies to dispute these inaccuracies and provided documentation to verify my identity and correct information. 
Despite these efforts, the incorrect entries remain on my credit report, negatively affecting my credit score and financial reputation. 

Impact : These inaccuracies are causing significant challenges, including potential issues with credit approvals and financial opportunities.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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: TN

Complaint narrative:
I am writing to formally dispute information that I believe is inaccurate or incomplete on my credit report. I am requesting that you investigate the following entries in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681b, which governs the permissible purposes for which a credit report may be accessed.

Under the provisions of 15 U.S. Code 1681b, credit reports can only be accessed for specific purposes, such as for a legitimate business need in connection with a credit transaction, insurance underwriting, employment, or other purposes specified by law. I believe the entry in question does not meet these criteria or was reported in error.

The specific information I am disputing is : Tennessee Child Support I pay very week

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: TN

Complaint narrative:
I am a victim of a data breach and these accounts listed are not mine and were unauthorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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.
State: TX

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my consumer credit report by XXXX, TransUnion, and XXXX for Account : XXXX  XXXX  ( Account # XXXX ) Specifically, XXXX is reporting the account as " Pays as agreed '' but also indicates it is " 90 days past due. '' TransUnion is reporting the account as " Paid or paying as agreed '' while also listing it as " 90 days past due. '' XXXX is reporting the account as " Account paid satisfactorily '' with the note " No update received. '' These entries are inconsistent, contradictory, and inaccurate. I am requesting that the status of this account be updated to reflect " Paid on time '' or " Current, '' and the worst delinquency status be updated accordingly to ensure accuracy in reporting. Upon review, I have discovered that these entries violate the Fair Credit Reporting Act ( FCRA ), particularly Section 611, which requires consumer reporting agencies to ensure the maximum possible accuracy of the information contained in consumer reports. Furthermore, the entries were reported without my written authorization, in direct violation of 15 U.S. Code 1681b ( 2 ), which mandates that consumer information can not be accessed or used without the explicit written consent of the consumer. I expect a detailed response outlining the findings of your investigation, including documentation of the original written instructions from me, with my wet signature, authorizing the reporting of this information, and an explanation of the legitimate purpose for reporting these late payments. Additionally, I request a thorough investigation into these disputed late payments as per Section 604 ( a ) ( 3 ) of the FCRA and written confirmation of the investigations completion, along with details of any actions taken to rectify this matter. Lastly, I request documentation to verify compliance with 15 U.S. Code 1666b, which mandates that periodic statements must be delivered at least 21 days before the payment due date, including the periodic statement and corresponding tracking number to confirm timely delivery. I have attached proof of the inaccuracies and highlighted them in red for your convenience. I trust that you will handle this matter promptly and in compliance with all applicable federal regulations. I look forward to receiving a response within 30 days of the date of this letter. Thank you for your 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 2025-01-26 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:
I am filling a complaint against Cash App ( block , INC ) due to inadequate customer service and unfair practices which violate the consumer financial protection act. specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform. leaving my account vulnerable and unprotected. Their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act and regulation E. there actions have caused significant inconvenience and financial loss. and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: NC

Complaint narrative:
Heres a concise version of your story : In XX/XX/year>, I was diagnosed with severe XXXX XXXX and an XXXX XXXX after experiencing escalating health challenges. This condition has left me permanently XXXX and unable to work. I now rely solely on Social Security Disability Insurance ( SSDI ), which provides minimal income that only covers basic living expenses. Due to this, I am unable to manage my student loan payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: NC

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. 
Account name XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$1000.00} Account name : # XXXX  XXXX ( Bank ) XX/XX/XXXX Account name : # XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX {$12000.00} Account name : # XXXX XXXX XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$4900.00}, has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 shall ( i ) 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.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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
Consumer complaint received 2025-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I purchased a generator on XX/XX/XXXX for {$2300.00} on my Chase Freedom card, showing option for " Plan Details Available. '' EXHB A. 

Showing another transaction, XX/XX/XXXX for {$1200.00} which also qualified for payment plan, EXHB B. 

Example of payment plan details for XX/XX/XXXX purchase for {$1200.00} with 6 month plan, which was I chose for the XX/XX/XXXX purchase.EXHB C. 

Terms I found after digging on Chase website, which never came up when I chose to participate in 6 month payment plan, EXHB D. 

Email on XX/XX/XXXX informing me that I paid up my plan, and even showing the purchase date of XX/XX/XXXX, EXHB E. 

Statement shown on Chase website for my account even showing the amount, {$390.00}, for each payment for XXXX payments, and actual plan start of XX/XX/XXXX, EXHB F. 

Email on XX/XX/XXXX showing I had a balance after I was notified of full payout, which in fact should have shown at least XXXX  remaining payments of {$390.00}, EXHB G.

I did call customer support. They said they couldn't do anything and that I would have to go to a Chase branch. I went to a Chase branch and spoke to a representative and he said the customer support was wrong. He called somebody and he couldn't resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My identity and social security number were stolen on XX/XX/XXXX. On this date, I contacted Experian, XXXX, and XXXX to put a fraud alert on my account. I received a letter from XXXX dated XX/XX/XXXX that they have placed a fraud alert and that Experian and XXXX were notified. A few days later I received a letter from Experian stating that the fraud alert had been placed. 
I have realized that Experian has breached this fraud alert. The person who stole my identity has changed the fraud alert and the verifying contact information to them. The phone number and email to verify my identity on Experian has been changed and I realized this on XX/XX/XXXX. I have attempted to call them and they will not let me speak to a representative due to not having verifying information to confirm my identity. The Identity Thief also made an online account so I can not make an online account to re-place the fraud freeze. 

I need this to be handled promptly as I am continuing to get credit card applications in the mail. On XX/XX/XXXX I received a credit card letter from XXXX and I am anticipating more to come now that my security has been breached with Experian

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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:
I HAVE BEEN AFFECTED BY THE XXXX  DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$36000.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$4200.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$4200.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$11000.00} XXXX  XXXX XXXX # XXXX XX/XX/XXXX -- {$53000.00} XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX -- {$230.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
XXXX XXXX I am to formally express 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 unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I called Transworld System and requested the original signed contract. I never received it. I never stayed anywhere other than my home, I purchased in 2013. This is not my debt and I don't owe this. I have been a victim of identity theft and my have been credit breached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX XXXX regarding the inaccurate reporting of a debt and the improper investigation by XXXX that occurred following my dispute. Below are the details of my complaint : **1. Inaccurate Information on Debt Collection : ** I have discovered that Debt RecoverY Solutions is reporting inaccurate information related to a debt listed on my credit report. Specifically : - The debt listed is an account I do not recognize. 
- The original creditor for this debt is XXXX - The amount stated by the debt collection agency is {$2000.00}. However, I have no recognition of this debt. 

I have attempted to resolve this issue with XXXX XXXX XXXX and XXXX directly, but the information continues to appear inaccurately on my credit report. 

XXXX. Improper Investigation After Dispute : ** On XX/XX/year> I formally disputed this debt with XXXX XXXX XXXX through an online dispute. Despite providing clear evidence that the information was inaccurate, the debt collector and XXXX failed to conduct a proper investigation and did not update or correct the reported information. 

Specifically : - I did not receive any acknowledgment of my dispute within the time frame specified by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 
- The investigation conducted by XXXX was insufficient and did not adequately review the documents and information I provided. 
- No new information or explanation was given after the dispute was filed, and the debt continued to be reported inaccurately on my credit report. 

**Request for Resolution : ** I request that the CFPB investigate this matter thoroughly. I am seeking the following resolutions : 1. A correction of the inaccurate information being reported by XXXX XXXX XXXX to all relevant credit bureaus. 
XXXX. A full and proper investigation of my dispute, with proper communication and acknowledgment of my evidence. 
XXXX. Any necessary action to ensure that XXXX XXXX XXXX and XXXX comply with all relevant consumer protection laws, including the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Thank you for your attention to this matter. I appreciate your assistance in resolving this issue, removing this from my credit report, and ensuring that my rights are protected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: OH

Complaint narrative:
I am filing this complaint as a victim of identity theft due to the Equifax data breach, which exposed my sensitive personal information. As a result, fraudulent accounts have been opened in my name, causing harm to my credit profile. 

Despite legal findings and my repeated requests, Equifax continues to neglect its obligations under the law. I request the cfpbs assistance in removing the information that does not belong to me!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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: CA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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