vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-16 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:
To whom it may concern, This is a request to correct derogatory information furnished by your company to the credit reporting agencies concerning the account mentioned. Provide me with proof of the following : XXXX. Proof of contract to establish that your company was entitled to enforce a commercial claim against me. XXXX. Provide me a certified copy or an original contract, with my signature. a. Certification can be done through the presence of a XXXX XXXX, who duly swears that the copy is a copy of the original contract in question. XXXX. Send me proof that your company notified me before or no later than thirty ( 30 ) days after furnishing the negative information to the consumer reporting agencies, in writing, that such furnishings or information was going to take place. a. This notification is required under the Fair Credit Reporting Act, Section 623 ( 7 ) ( a ) b. Therefore, provide proof of notification ( a copy of the notification sent ) and proof that it was delivered to me promptly. Suppose you can not provide proof of notification or contract and date of receipt and provide me proof that your company notified me before or no later than thirty ( 30 ) days. In that case, you must cease all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. If you continue your collection efforts against me without proof, I may do one or more of the following : 1. File a complaint with the Attorney General 2. File a complaint with the Federal Trade Commission 3. In addition, by previously using the mail to collect on this account you may also be subject to both civil and criminal liability under ( mail fraud ) statutes according to section 18 U.S.C. 1341, which I will file a complaint with the Postal Inspection Service against you. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. I understand you will recheck these items with the creditor who posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

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 2025-01-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-01-16 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: TX

Complaint narrative:
I request that these accounts listed below and their account numbers be immediately deleted. I have also confirmed that I do not even have an XXXX credit report used to verify debt/account history/status that negates the previous statements of saying " verified '' and/or " accurate '' from the bureaus, which are false. 

Knowing that I have been affected by the Equifax Data Breach, I have also included proof of this. Additionally, I will attach a copy of the current suit filed against XXXX that illuminates how XXXX has negatively and deceptively made false claims about following FCRA practices to accurately and thoroughly research any disputed information for millions of Americans over the years. I would also like to highlight that none of the three bureaus ( XXXX, XXXX, or TransUnion ) allow me to dispute directly with them online, prompting my follow-up and inclusion of the CFPB 's protection. I have also included before-and-after credit reports showing when items in the past have been removed ; they are not reported accurately across each CRA, as required by the FCRA. Lastly, many of these accounts ( even in a closed status ) are being updated with a new balance, which violates my rights and allows for erroneous updates of late payments, further damaging my score, report, and financial ability to provide for myself when applying for necessities granted by having a healthy credit score. 

Below are the accounts I want to be removed and updated as such from my account : XXXX  XXXX : Account # : XXXX | Status : Closed | Balance Updated : XX/XX/XXXX XXXX  XXXX : Account # : XXXX | Status : Closed | Balance Updated : XXXX XXXX XXXX  XXXX XXXX Account # : XXXX | Status : Closed | Balance Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX | Status : Closed | Balance Updated : XXXX  XXXX  XXXX XXXX : Account XXXX XXXX XXXX | Status : Closed | Balance Updated : XXXX  XXXX XXXX XXXX : Account # XXXX XXXX XXXX Status : Closed | Balance Updated : XX/XX/XXXX Collection Accounts : XXXX XXXX XXXX XXXX : Account # : XXXX | Status : Opened XX/XX/XXXX | Balance Updated : XX/XX/XXXX Absolute Resolutions I/ Investments : Account # : XXXX | Status : Opened XX/XX/XXXX | Balance Updated : XX/XX/XXXX XXXX XXXX XXXX : Account # : XXXX | Status : Opened XXXX XXXX, XXXX | Balance Updated : N/A Inquiries : 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 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I request that these accounts listed below and their account numbers be immediately deleted. I have also confirmed that I do not even have an XXXX credit report used to verify debt/account history/status that negates the previous statements of saying " verified '' and/or " accurate '' from the bureaus, which are false. 

Knowing that I have been affected by the Equifax Data Breach, I have also included proof of this. Additionally, I will attach a copy of the current suit filed against XXXX that illuminates how XXXX has negatively and deceptively made false claims about following FCRA practices to accurately and thoroughly research any disputed information for millions of Americans over the years. I would also like to highlight that none of the three bureaus ( XXXX, Equifax, or XXXX ) allow me to dispute directly with them online, prompting my follow-up and inclusion of the CFPB 's protection. I have also included before-and-after credit reports showing when items in the past have been removed ; they are not reported accurately across each CRA, as required by the FCRA. Lastly, many of these accounts ( even in a closed status ) are being updated with a new balance, which violates my rights and allows for erroneous updates of late payments, further damaging my score, report, and financial ability to provide for myself when applying for necessities granted by having a healthy credit score. 

Below are the accounts I want to be removed and updated as such from my account : XXXX  XXXX : Account # : XXXX | Status : Closed | Balance Updated : XX/XX/XXXX XXXX  XXXX : Account # : XXXX | Status : Closed | Balance Updated : XXXX XXXX XXXX  XXXX XXXX Account # : XXXX | Status : Closed | Balance Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX Account # : XXXX | Status : Closed | Balance Updated : XXXX XXXX XXXX XXXX : Account XXXX XXXX XXXX | Status : Closed | Balance Updated : XXXX XXXXXXXX XXXX XXXX : Account # XXXX XXXX XXXX Status : Closed | Balance Updated : XX/XX/XXXX Collection Accounts : XXXX XXXX XXXX XXXX : Account # : XXXX | Status : Opened XX/XX/XXXX | Balance Updated : XX/XX/XXXX XXXX  XXXX XXXX XXXX  : Account # : XXXX | Status : Opened XX/XX/XXXX | Balance Updated : XX/XX/XXXX XXXX XXXX XXXX : Account # : XXXX | Status : Opened XXXX XXXX, XXXX | Balance Updated : N/A Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CRE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

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 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

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 2025-01-17 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 Consumers 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 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 2025-01-16 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: MA

Complaint narrative:
I have disputes more then one account do to neglect of proof

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 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

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 Fund Transfer Act ( EFTA ) and Regulations 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 2025-01-16 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 proces 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 2025-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to formally file a complaint regarding ongoing difficulties I have experienced with accessing my Equifax account. Today, XX/XX/year>, I called your customer service line at XXXX because I was unable to log in to my account. 

After waiting on hold for approximately 45 minutes, I was connected with a representative who attempted to assist me. She stated that she needed to verify my identity before proceeding. To do so, she sent a text message containing a link where I could upload a picture of my driver 's license and a photo of myself. 

Despite following her instructions, she informed me that she was unable to verify my identity. She then requested that I send a copy of my ID, Social Security number, and a letter explaining the reason for my call to resolve the issue and gain access to my credit report and credit score. 

This is not the first time I have encountered this issue. I have been attempting to resolve it for the past two months without success. I am currently in the process of purchasing a home, and timely access to my credit information is critical. The repeated delays and lack of resolution have caused significant frustration and inconvenience. 

I am requesting immediate assistance to resolve this matter so I can access my account without further delays. Please let me know what steps will be taken to address this issue and provide a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AL

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 regress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: DC

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 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 infeasible. The CFPB finding indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scam. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MS

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 has caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 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 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 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MN

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 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: NV

Complaint narrative:
I am writing to formally lodge a complaint as a victim of the issues highlighted in the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Zelle. As a user of Zelle 's services, I have experienced significant inconvenience and financial loss due to the practices that are now under scrutiny. 

I urge the CFPB to take swift and decisive action to address these concerns and ensure that Zelle is held accountable for its practices. Additionally, I request that measures be put in place to prevent such issues from affecting other consumers in the future. 

Thank you for your attention to this matter. I look forward to a prompt and fair resolution.

Company response to consumer: Closed with explanation