vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-23 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:
As per the guidance from the consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX-Debt final Rule 1002.142 ( b ) ( 4 ) -51002,142 ( b ) 7, I kindly request that you block this information from my credit report within four business days pursuant to section 605C of the Fair Credit Reporting Act I am a victim of XXXX  XXXX  of Debt XXXX and would like for all listed Accounts to be blocked and deleted company information TransUnion.Please delete the following Account XXXX XXXX  Account Number XXXX XXXX XXXX XXXX  Account Number XXXXXXXX XXXX XXXX Account Number 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 2025-01-23 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 reached out because I was involved in data breach and noticed discrepancy so I reached out to despute

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I used square inc merchant services for my small business to collect a payment from a customer the payment was accepted and then square deactivated my account and kept XXXX and will not tell me why o just want my money this is how I feed my family and keep my business going there is a charge with hundreds of people who the same thing happened to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: GA

Complaint narrative:
XXXX 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 XXXX, 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 XXXX 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 XXXXXXXX XXXX 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
Consumer complaint received 2025-01-23 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: GA

Complaint narrative:
XXXX 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 XXXX, 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 XXXX 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 XXXXXXXX XXXX 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
Consumer complaint received 2025-01-23 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: NC

Complaint narrative:
I am a victim of identity theft. There are several accounts and inquiries that dont belong to me nor did I authorize!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: GA

Complaint narrative:
I am submitting a formal complaint against XXXX, TransUnion, and XXXX for their failure to adequately investigate my disputes concerning inaccurate information in my credit reports. Despite my repeated submissions, these credit bureaus consistently respond within 24 hours asserting that the accounts are accurate, yet they do not provide any evidence of a comprehensive investigation. This behavior is in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which requires a reasonable investigation of disputes. Additionally, the actions of XXXX, TransUnion, and XXXX may also breach the Consumer Financial Protection Act ( CFPB ), as outlined in 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ). This was recently emphasized in a CFPB administrative proceeding ( File No. XXXX ) against them for similar infractions. I urge the CFPB to take appropriate measures to ensure that XXXX, TransUnion, and XXXX comply with federal law and provide consumers with the necessary documentation of their investigations. The accounts in dispute are as follows : 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 2025-01-23 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: GA

Complaint narrative:
I am submitting a formal complaint against XXXX, XXXX, and Experian for their failure to adequately investigate my disputes concerning inaccurate information in my credit reports. Despite my repeated submissions, these credit bureaus consistently respond within 24 hours asserting that the accounts are accurate, yet they do not provide any evidence of a comprehensive investigation. This behavior is in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which requires a reasonable investigation of disputes. Additionally, the actions of XXXX, XXXX, and Experian may also breach the Consumer Financial Protection Act ( CFPB ), as outlined in 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ). This was recently emphasized in a CFPB administrative proceeding ( File No. XXXX ) against them for similar infractions. I urge the CFPB to take appropriate measures to ensure that XXXX, XXXX, and Experian comply with federal law and provide consumers with the necessary documentation of their investigations. The accounts in dispute are as follows : ( 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 explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have disputed several hard credit inquiries that I did not authorize. I have disputed several incorrect accounts showing delinquent as well. This issue has not been resolved and I would like to have any and all incorrect information removed from my credit report. Please see the companys listed below. 

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 2025-01-23 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 filling a complaint against Cash app ( block , Inc ) due to lackluster customer service and dishonest practices, which violate the consumer financial protection act ( CFPA ).

Cash app failed in efficiently dealing with fraud on their platform, leaving my account vulnerable and unprotected.

Their dispute and 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 inconvenience and financial loss, and I seek financial redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: MS

Complaint narrative:
I been asking for and about a car deferment since I loss both jobs due to XXXX XXXX around the year of XX/XX/XXXX until now and Credit Acceptance gives a hard time with helping with lowering payments. They do not understand and I have to negotiate price that I can try to afford to keep the car for to try to maintain for my kids and self to try to work. They are very hard to deal with financially and also I want warn about the XXXX  on a XXXX  with the XXXX XXXX XXXX XXXX. I was told XXXX and it went from XXXX to 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 2025-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: ROBINHOOD MARKETS INC.
State: MI

Complaint narrative:
On XX/XX/year>, I successfully completed the requirements to receive a solid XXXX  card from Robinhood, as outlined in their offer. Following this, I received an email confirming that I would be receiving the solid XXXX  card, as advertised. I also followed up several times with customer service representatives and a manager, all of whom assured me that the card was in the process of being forged.

However, it has now been over seven weeks, and I have yet to receive the card. This delay is highly unusual, and despite my repeated follow-ups, customer service has not provided a satisfactory explanation. Instead, I have been receiving generic, repetitive responses. Even after insisting on a more thorough investigation into the delay, no meaningful assistance has been offered.

This level of unprofessionalism is disappointing, particularly given that I fulfilled all the referral requirements weeks ago. I expected better communication and a timely resolution from Robinhood in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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 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 2025-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to formally request your assistance regarding an issue I have encountered with Bank of America concerning a 30-day late payment reporting on my account, which I believe to be unjustified due to an incomplete investigation on their part. I received a notification from Bank of America indicating that my account had been reported as 30 days late. However, I want to clarify that the invoice in question was paid in full and on time. It appears that additional fees were subsequently added to my account without my knowledge, which has contributed to this erroneous reporting. I have attempted to resolve this matter directly with Bank of America, but I have not received a satisfactory resolution. I believe that the 30-day delinquency reported on my credit history is not only inaccurate but has also negatively affected my credit score. I kindly request that you investigate this matter further and advocate on my behalf for the removal of the 30-day late payment from Bank of America 's reporting. Additionally, I would appreciate your assistance in having the additional fees waived, as they were added without my consent or proper notification. Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue. Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: NY

Complaint narrative:
I am writing to express my serious concerns about Zelles approach to dispute resolution, particularly in light of the recent CFPB lawsuit that has brought significant issues with the platform to light. Despite being a frequent user of Zelle and reporting discrepancies in my transactions, neither my financial institution nor Zelle took sufficient steps to properly investigate my claims. I was told that recovering my lost funds was impossible and that there was no way to effectively track the transactions in question. 
The CFPBs findings reveal that Zelle has failed to protect its users, allowing repeat offenders to exploit the platform without consequence. This lack of accountability and transparency is deeply troubling and highlights the vulnerabilities consumers face when using the service. The current system leaves users exposed to scams, which is both unacceptable and a serious threat to consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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 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 2025-01-23 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: GA

Complaint narrative:
I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXXi, which mandates a reasonable investigation of disputes. Furthermore, Transunion actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
XXXX ( a ) ( 1 ) ( A ) - ( B ), I request that the CFPB take action to ensure transunion complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-01-23 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: LA

Complaint narrative:
Ive sent in multiple disputes to Experian and XXXX about incorrect accounts, incorrect personal information, and incorrect inquiries on my credit report. I have been doing this for years now, and there has been no update as if they are overlooking the issue every time.

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 2025-01-23 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: VA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Harris & Harris, Ltd.
State: CA

Complaint narrative:
Harris & Harris , Ltd . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Has repeatedly contacted via phone calls, text messages, and now emails. Every time it's from different phone numbers. I requested they send me proof of the debt via certified mail and they stated they would do it this one time. I requested that they send me a breakdown of the charges. The person who contacted me was frustrated and annoyed because I asked for this information. They stated they would only do it this one time but never sent me any information regarding the debt but kept contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: NJ

Complaint narrative:
I paid off a secured credit card that i uptain during XXXX XXXX its reporting on XXXX as secured account, closes paid off in full its reporting on XXXX and XXXX XXXX as revolving account, paying as agreed its hurting my report and at this point as a sign of good faith i would like it to be removed i owe nothing on the account it was a secured card in which i deposited my own money but as a result of XXXX XXXX fell behind a lost my secured down payment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Paypal is the company that has been trying to get me to pay them XXXX. This occurred around XX/XX/2024.

I was scammed and there was not any merchandise sent to me. I alerted Paypal and my bank immediately upon learning this was a scam. Paypal said they could not do anything about it. I told them do not give this person any money that was scamer, it was a scam and the scammer was using PayPal. They refused to go after the person that had the account that they sent money to. I was told to submit a dispute, which I did, on their site. There was not any type of security plan to follow. I was told to file with the IC3, which I did. 
The answer from Paypal was I should contact the seller and see if they would refund the money. Which was no help at all. It was a total scam. 
Paypal had their email and their account information but refused to follow up on the issue. 

I had notified my bank and they declined any money to Paypal as it was a fraud account where no merchandise was exchanged. 
I have explained to paypal several times now of what has happened and they just said they can't do anything. That I would owe them the money.

Company response to consumer: Closed with non-monetary relief