vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: WA

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 35 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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Subject : Notice of FCRA Violation Dear Transunion, I am writing to formally dispute an error in my credit report caused by your organization, which I believe constitutes a violation of the Fair Credit Reporting Act ( FCRA ). Specifically, it appears that the same debt has been reported twice under different accounts or entries, which has negatively impacted my credit profile. 

Details of the Violation Upon reviewing my credit report, I noticed the following : XXXX XXXX XXXX XXXX XXXXXXXX XXXX. A duplicate entry for the same debt under XXXX XXXX XXXX account : XXXX Under the FCRA, furnishers of information are obligated to ensure accurate reporting of consumer information to credit bureaus. The practice of " double reporting '' or " double jeopardy '' violates : FCRA Section 623 ( 15 U.S.C. 1681s-2 ( a ) ), which mandates furnishers to provide accurate and complete information.

FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), which obligates credit reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy. 


My Rights Under the FCRA As a consumer, I have the right to dispute inaccurate or incomplete information and to expect the data furnisher to investigate the matter promptly. If your organization continues to report duplicate or erroneous entries, it could lead to legal liability and penalties. 

Requested Action I respectfully request that you : 1. Conduct an immediate investigation into the duplicate reporting.

2. Delete the erroneous entry from my credit report across all credit bureaus ( XXXX, XXXX, TransUnion ). 


XXXX. Provide a written confirmation of the correction and any additional steps you have taken to comply to FCRA. 


I expect this matter to be resolved within the 30 days allowed by law under the FCRA. Failure to take corrective action may result in my pursuing further remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal recourse. 

Thank you for your prompt attention to this matter. Please contact me in writing at the address above if you require further information.

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: 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: IN

Complaint narrative:
I am writing to formally dispute the reporting of a late payment on my credit file. Under the Fair Credit Reporting Act ( FCRA ), Metro 2 guidelines, and CDIA standards, I am entitled to accurate, complete, and verifiable information on my credit report. The late payment in question does not meet these requirements and must be corrected or removed immediately. ALSO THIS ACCOUNT TAKES CLOSED REQUESTED BY ME WHICH IS NOT ACCURATE THEY BANNED ME FROM USING MY ACCOUNT FOR NO REASON STOPPED ME FROM USING ACCOUNT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 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: IN

Complaint narrative:
I am writing to formally dispute the reporting of a late payment on my credit file. Under the Fair Credit Reporting Act ( FCRA ), Metro 2 guidelines, and CDIA standards, I am entitled to accurate, complete, and verifiable information on my credit report. The late payment in question does not meet these requirements and must be corrected or removed immediately. ALSO THIS ACCOUNT TAKES CLOSED REQUESTED BY ME WHICH IS NOT ACCURATE THEY BANNED ME FROM USING MY ACCOUNT FOR NO REASON STOPPED ME FROM USING ACCOUNT

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: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: VA

Complaint narrative:
When trying to invest a different stocks in Cash app, it seems like my money never add up as it should have and then all of a sudden Im missing a couple cents here and there

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: OR

Complaint narrative:
I am filing a complaint against cash app ( Block, ink ) for 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 funds 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

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: 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:
My information was exposed in Experian 's data breach

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: 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:
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 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. 

Accounts in question XXXX XXXX Secured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$54.00}. 

XXXX XXXX XXXX Unsecured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$400.00}. 

XXXX XXXX XXXX Unsecured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
This account is incorrectly reporting that I have 2 late payments. On my XXXX report there are XXXX late payments being reported. 

XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$150.00}. 

XXXX XXXX Auto Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dispute the missed payments and late payments on this account. 

XXXX Unsecured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$490.00}. 

XXXX XXXX XXXX Auto Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$27000.00}. 
I dispute the missed payments and late payments on this account. 

XXXX XXXX Secured Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$250.00}. 

Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$660.00}. The original creditor is XXXX XXXX XXXX 

Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$420.00}. 

Inquiry from XXXX XXXX  XXXX on XX/XX/XXXX. 

XXXX from XXXX XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX  XXXX on XX/XX/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 2025-01-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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: 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 continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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: MI

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 a
ctions 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: 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: GA

Complaint narrative:
Subject : Formal Complaint Against Equifax for FCRA Violations Dear CFPB, I am submitting this complaint to address significant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., by Equifax, which have caused substantial harm to my financial and personal life. 

Equifax has failed in its legal obligations by : Not conducting reasonable investigations of disputes I submitted, in violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

Failing to ensure maximum possible accuracy of reported information, per 15 U.S.C. 1681e ( b ). 
Reinserting inaccurate information into my credit report without providing proper certifications and notice, as required by

15 U.S.C. 1681i ( a ) ( 5 ) ( B ). Equifaxs negligent practices have been well-documented, including recent fines and penalties imposed by the CFPB for improper inves
tigation of disputes and inaccuracies. These practices have directly impacted me, resulting in : Denial of credit opportunities Increased interest rates Emotional distress and financial hardship Additionally, I was a victim of the Equifax data breach, which further exposed my sensitive information and amplified the harm I have suffered. 

Requested Resolution : Immediate deletion of all previously disputed negative items on my credit report that were not properly investigated, as mandated under FCRA guidelines. 
Confirmation that Equifax will cease reporting inaccurate information in the future. 
Assurance of compliance with all FCRA obligations moving forward. 
These violations have hindered my ability to progress financially and have caused unnecessary stress and hardship. I urge the CFPB to take swift action to address Equifaxs systemic failures and enforce compliance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: CA

Complaint narrative:
When I least the vehicle I was not told I did not have to buy the ( GAP ) for XXXX dollars just want a refund the seller information- XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Zip code XXXX phone number XXXX my 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 2025-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/year>, I submitted a dispute request with Fidelity Rewards Credit Card, after a service not delivered ( but charged ). Fidelity informed me that it will me a provisional credit, asked me to submit a form, and will investigate. 

On XX/XX/year>, I submitted the form as requested. 

No communication, no investigation, and no evidence were provided. 

On XX/XX/year>, just 2 days later, I saw the credit reversed and " case resolved ''. When clicking on " view details '' on the status dashboard, the page simply goes into a blank with no information. It is clear that the credit company did not take the time to investigate and promptly shut the case and claimed it as resolved.

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing a complaint against Experian for reporting several accounts on my credit file that are the result of unauthorized use of my Social Security number. These accounts were not opened by me and are not connected to any actions I have taken. 

Under 15 U.S. Code 1681c2, I am requesting the immediate removal of the following accounts from my credit report within 4 days : XXXX XXXX XXXX Account # : XXXXXXXX XXXXAccount # : XXXX XXXX Account # : XXXX XXXX XXXX  Account # : XXXX Experian 's failure to properly investigate my dispute mirrors the issues highlighted in the recent CFPB action against Experian for conducting sham investigations of credit report errors. According to a report from the Consumer Financial Protection Bureau ( CFPB ), Experian engaged in practices that violated the Fair Credit Reporting Act by not properly investigating consumer disputes, providing inaccurate results, and allowing errors to persist on credit reports. This harmful behavior significantly affected consumers like me, and it is a violation of my rights as outlined under the FCRA. You can find more information regarding this issue in the CFPB 's lawsuit against Experian. 

Attached to this complaint is a dispute letter that I sent to Experian on XX/XX/year>, which is dated and time-stamped. Despite this, Experian has failed to resolve the matter appropriately. 

I have also included proof of identity and an FTC report to support my claim.

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately.They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

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

Complaint narrative:
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