vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-21 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: TX

Complaint narrative:
On XXXX XXXX, I checked my credit report and noticed that Experian has not complied with any of my ongong efforts to get incorrect and inaccurate information removed from my report. they have also reinserted information that was deleted without sending me any notice. I have been submitting forms via certified mail and through this system to Experian in regards to this ongoing matter and they have disregarded all my prior request.According to the FCRA whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum accuracy of the information being reported. Experian has failed to conduct reasonable reinvestigations, Failure to forward relevant information to furnishers, and Unclear or Mis leading dispute outcomes. Again I have sent numerous letter and filed complaints through this source dating back as previous as XX/XX/year> complaint Id # 's XXXX, XXXX, and dated XX/XX/year> complaint Id # XXXX. Their response is that everything is complete and accurate but kif you check the prior complaints and attachment everythign is not complete or accurate the information is highlighted. Per 15 USC 1681i ( 7 ) and referenced in ( 6 ) ( B ) ( iii ) they have violated as well 15USC 1681s-2.

I only have one spelling to my name there is no variations, I only have one address no employer. and the reinserted information needs to be removed as well. Experian has continued the FCRA law which ultimately cause harm to the 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 2025-01-21 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 violates 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 theses 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 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

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 Regulations E. These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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: IL

Complaint narrative:
Equifax XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Request for Deletion of Open Auto Loan Based on the Gramm-Leach-Bliley Act To Whom It May Concern, I am writing to formally dispute the reporting of an open auto loan account appearing on my credit report. The account in question is as follows : Account Name XXXXXXXX XXXX Account Number : Reported Date : Pursuant to the Gramm-Leach-Bliley Act ( GLBA ) and its provisions governing the protection of consumer privacy and financial information, I request that you investigate the inclusion of this account on my credit report. Specifically : 1. Privacy of Consumer Information : The GLBA restricts the sharing of non-public personal information with unauthorized parties. If this account was included in error or reported without proper authorization, it may violate the privacy rights protected under the Act.

2. Accuracy Requirement : The Fair Credit Reporting Act ( FCRA ) also mandates that all information included in a credit report must be accurate, complete, and verifiable. If this auto loan can not be verified or was improperly shared, it must be removed immediately.

I respectfully request the following : 1. Verification of the accounts accuracy and compliance with the GLBA and FCRA.

2. Deletion of the account if it is found to be inaccurate, unverifiable, or improperly shared.

Attached, you will find copies of the following documents to assist in your investigation : A copy of my government-issued ID for identity verification.

A copy of a recent utility bill as proof of address.

A copy of my credit report highlighting the account in question.

Please provide me with a detailed response regarding your findings within 30 days, as required by law. Should the account be removed, I request written confirmation for my records.

Thank you for your immediate attention to this matter. I look forward to your timely response.

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I had purchased a vehicle and ALLY was the financing company I went through. Due to financial hardship, I was unable to continue payments and I allowed ALLY to repossess the vehicle. ALLY picked up the vehicle. The money owed on the vehicle was {$77000.00}. They sold the vehicle at an auction for {$50000.00} which left a remaining balance of {$27000.00}. After which, they charged an egregious repossession FEE of {$25000.00} making the total amount owed on this vehicle {$52000.00}. A normal repossession fee is between $ XXXX {$750.00} in the state of Florida . We have reached out on several occasions to request more information on where this total amount came from because this MUST be a mistake. There is no way that this is a real fee for repossessing this vehicle. This company has failed to communicate and this has been hurting my credit for nearly 6 months with no communication from ALLY regarding this insane fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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 customer 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 funds transfer act ( EFTA ) and regulations e these actions have caused significant inconvenience and financial losses and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OK

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 proce 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 XXXX financial loss, and I seek appropriate redress for these violations!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: NC

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

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 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AR

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 2025-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am writing to dispute inaccurate information reported on my credit file regarding my mortgage account with XXXX XXXX XXXX ( # XXXX ). My credit report incorrectly indicates that my account was XXXX  days past due on XXXX occasions. 

I have thoroughly reviewed my records and confirmed that I was not late on my payments during the periods in question. All payments of {$690.00} were made on time, as agreed in the terms of my mortgage. This misreporting has caused harm to my credit score and financial reputation. 
Details of the Issue : Dates in XXXX XXXX XXXX XXXX days past due XXXX XXXX  Monthly Payment Amount : {$690.00} Balance on Account : {$55000.00} Action Taken : All payments were made on or before the due date, with no missed or delayed payments. 

Request for Resolution : I respectfully request the XXXX assistance in resolving this issue by : Investigating the accuracy of XXXX XXXX XXXX 's reports for the disputed dates. 
Requesting XXXX XXXX XXXX to provide proof of alleged late payments or, if no evidence exists, to correct the inaccuracies on my credit file promptly. 
Attached to this letter are copies of the following documents for your reference : Payment records for the disputed periods. 
A copy of my credit report highlighting the incorrect entries. 
I would appreciate a timely investigation into this matter to mitigate further impact on my financial standing. Thank you for your assistance. If you require additional information, please feel free to contact me at [ Your Phone Number ] or [ Your Email Address ]. 

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 2025-01-21 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: MN

Complaint narrative:
I am writing to formally dispute the credit error of XXXX. Your company has me at XXXX or lower. XXXX of my banks say almost XXXX XXXX I attached screen shots to complaint I want a full investigation into this because I believe you guys are reporting this wrong and my bank is right. 


If this is the case due to the impact this error has had on my financial situation, I would like to discuss potential compensation for this mistake. 

Thank you for your prompt 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 explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I am writing to formally dispute the credit error of XXXX. Your company has me at XXXX or lower. XXXX of my banks say almost XXXX XXXX I attached screen shots to complaint I want a full investigation into this because I believe you guys are reporting this wrong and my bank is right. 


If this is the case due to the impact this error has had on my financial situation, I would like to discuss potential compensation for this mistake. 

Thank you for your prompt 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 explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NJ

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 2025-01-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am writing to formally dispute the inaccuracies present on my credit report with TransUnion, and to demand immediate investigation and correction pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i. My dispute concerns the erroneous information listed under XXXX  XXXX ( who is also being sued ), XXXX XXXX, XXXX XXXX XXXX, and all other negative accounts on my TransUnion report, which is inaccurate and has adversely impacted my credit profile. I would like to remind you of the ongoing issues with the manner in which TransUnion, along with other major credit reporting agencies, has been handling consumer disputes. As you are aware, the Consumer Financial Protection Bureau ( CFPB ) has filed multiple orders against TransUnion, accusing the company of conducting improper investigations of credit report errors. These orders highlight the failure of TransUnion to properly investigate disputes and the continued listing of inaccurate information on consumer credit reports. These actions clearly violate the requirements set forth under the FCRA, and I demand that you cease such practices with my credit file. Under 15 U.S.C. 1681i, you are legally required to : 1. Conduct a reasonable investigation into any dispute raised by a consumer regarding the accuracy or completeness of information on their credit report. 2. Correct any inaccuracies within a reasonable time frame ( typically 30 days ), and provide written notice of the results of your investigation, including a copy of my updated credit report if changes are made. In light of the CFPBs orders and your apparent failure to adhere to the statutory requirements, I demand that you : * Immediately initiate a thorough and independent investigation into my dispute, ensuring that all relevant information is properly reviewed. * Correct any and all inaccuracies within my credit file, and provide written documentation of the investigation results. * Cease any practices that might undermine the integrity of the dispute process, as described in the CFPB 's legal action. Failure to comply with these provisions not only violates my rights under the FCRA but also subjects TransUnion to legal liability, as outlined by the CFPB 's actions. As a consumer, I will not tolerate such negligent practices and expect immediate remediation. Please see all attached evidence.

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 2025-01-20 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 Cashapp ( 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 vaulnable 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 2025-01-21 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: FL

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit reporting Act ( FCRA ) to conduct a reasonable investigation 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 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 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 2025-01-20 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: TX

Complaint narrative:
I am reaching out to contest a hard inquiry on my credit report, which I believe is incorrect.

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