vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: MO

Complaint narrative:
I attempted to make an online purchase from XXXX and the purchase was for something important, diapers for my at the time XXXX XXXX XXXX daughter. As far as the cashapp app was displaying I had been completely charged for the order. XXXX minutes later I get an email from XXXX stating that my order payment was not received and my order was cancelled. First I spoke with XXXX because I had already verified the money was taken from my cashapp account. After speaking with XXXX and being informed that they were unable to receive funds at all and thats why my order was cancelled even providing me with a transaction number ( Ive misplaced that due to it being back in early XXXX ). I then contacted cashapp and they didnt even ask me for a transaction number or anything they said until it processed they had no control nor could they be of any further assistance on that matter. About XXXX or more days later the transaction just disappeared from my transaction history. The reason why that was such a problem is I had just enough money in that account to get the diapers which my ex was claiming I was not supporting my child at the time so this was the last thing that I needed but i borrowed and made it work but still was left hanging for a long time and cashapp did absolutely nothing to help or even pretend to care really.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2025-01-31 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: MD

Complaint narrative:
XXXX U.S.C. XXXX is a provision of the Fair Credit Reporting Act ( FCRA ) that establishes civil liability for negligent noncompliance with the Acts requirements. It states that any person who negligently fails to comply with the FCRA regarding a consumer is liable for : 1. Actual Damages The affected consumer can recover actual damages sustained as a result of the failure.

2. Attorneys Fees and Costs The consumer can also recover the costs of bringing the action, including reasonable attorneys fees. 

This section differs from XXXX U.S.C. XXXX, which covers willful noncompliance and allows for punitive damages. Under XXXX, the key factor is negligence rather than willfulness.

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 2025-01-31 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 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 2025-02-01 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: CA

Complaint narrative:
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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-02-01 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: IL

Complaint narrative:
I 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. 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 2025-02-01 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: NY

Complaint narrative:
I am submitting this complaint to formally dispute inaccuracies in my credit report and to seek compensation from Experian for repeated violations of the Fair Credit Reporting Act ( FCRA ). My concerns are further supported by the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ), which highlights Experians failure to adequately investigate consumer disputes and its improper reinsertion of inaccurate information into consumer reports. 

The following inaccuracies in my credit report require immediate correction or removal : XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I canceled my terrible service with XXXX XXXX XXXX and sent back their router with a label they provided. Later they started calling me claiming I never sent it back. I sent it back with XXXX  located on XXXX XXXX XXXX in XXXX XXXX Louisiana m.

They kept harassing me but I refused to pay for a router that not only did I send back, but its completely useless to me because it is specifically designed for XXXX XXXX XXXX  networks and as I said, I cancelled the service because the internet would never work. I had no reason at all to keep this router. Theyre lying and trying to extort money I dont owe, and XXXX XXXX is facilitating this attempted theft!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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: CA

Complaint narrative:
I came across the CFPB Experian Lawsuit. 

I feel I was negatively impacted by Experian and Transunion, hurting my chances at credit after receiving a response to my earlier dispute that the accounts were verified. 

Affidavit dispute letters, ftc reports, police reports, complaint with you, CFPB are all the routes that I took to remove these inaccurate items. Experian & Transunion REFUSE to leave items deleted and continuously report inaccurate items. This has caused financial hardship and would like the inaccurate items removed. XXXX XXXX auto account, revolving credit cards, personal loans that are inaccurate should be removed.

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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
i am a XXXX XXXX XXXX XXXX please refer to attached documents

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 2025-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
For the past year, Portfolio Recovery Associates ( PRA ) has been calling me every single day from different phone numbers, often multiple times a daysometimes up to 10 times per day. These calls have become disruptive to both my XXXX XXXX XXXX  and my XXXX XXXX XXXX XXXX  as I rely on my phone for work-related communications. 

I have repeatedly blocked their numbers, but they continue calling from new ones, making it impossible to stop the harassment. The sheer volume and frequency of these calls have significantly interfered with my ability to focus, conduct my work efficiently, and maintain peace of mind. 

Despite never receiving proper validation of the alleged debt, PRA persists in their aggressive collection tactics. Their constant calls constitute harassment and an invasion of my privacy, causing unnecessary stress and distraction from my academic and professional responsibilities. 

Dates & Actions Taken : Over the last year ( continuous harassment ) Calls occur every single day, sometimes up to 10 times a day Blocked numerous numbers, but they continue using different ones No proper validation of the alleged debt has been provided Despite my efforts to stop the calls, they persist This excessive and relentless behavior appears to be in violation of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits repeated or harassing calls. I request that this issue be formally addressed, and that Portfolio Recovery Associates cease all contact with me immediately unless they can provide proper, verifiable proof of any alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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: MI

Complaint narrative:
I 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. 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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My accounts were always on time! Specially with XXXX XXXX, I had a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported. 

I demand the late payment reported to be removed/updated.

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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.

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 2025-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: NJ

Complaint narrative:
Dear Discover, I am writing to formally request that you stop sharing my personal and financial information with non-affiliated third parties, as permitted under the Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ). I do not consent to the sharing of my information beyond what is legally required for account servicing and compliance purposes.

Please update your records to reflect my opt-out request and confirm in writing that my information will no longer be shared with unauthorized third parties. If my information has been shared without proper notice or consent, I request an explanation and immediate corrective action.

Thank you for your prompt attention to this matter. Please provide written confirmation of this request within 30 days. If you need any additional information, feel free to contact me at the details above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: FL

Complaint narrative:
Transunion has failed to fulfill its legal obligations under the law the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation into disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. They have also allowed accounts that are charged off to keep reporting late payments onto the account when the account is closed. This is a clear violation of the 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 non-monetary relief
Consumer complaint received 2025-02-01 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:
XXXX XXXX XXXXXXXX XXXX is reporting a dept of {$2200.00} on behalf of XXXX. I asked the company and the credit company of proof of this debt and have not received anything. I have not had XXXX since XX/XX/year> and the there was no remaining balance. Also, if there was a balance my rights are being violated with this being reported after the timeframe allowed for my state which is Texas

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 2025-02-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting a dept of {$2200.00} on behalf of XXXX. I asked the company and the credit company of proof of this debt and have not received anything. I have not had XXXX since XX/XX/year> and the there was no remaining balance. Also, if there was a balance my rights are being violated with this being reported after the timeframe allowed for my state which is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX New York, XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX Subject : Formal Dispute and Demand for Removal of Inaccurate Accounts Under 15 U.S. Code 1681o Dear Consumer Financial Protection Bureau, I am writing to formally dispute and demand the immediate removal of inaccurate and/or improperly reported accounts from my credit file. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681o, you may be held liable for negligent noncompliance with federal credit reporting laws. 

The following accounts have been wrongfully reported and must be deleted immediately : Account ending in XXXX Account ending in XXXX Account ending in XXXX Account ending in XXXX Your failure to ensure accurate reporting has caused me significant harm, including but not limited to : Damage to my credit score Denial of credit opportunities Increased interest rates Emotional and financial distress This constitutes a clear violation of the FCRA, and as a result, I am requesting immediate deletion of the above accounts to fairly resolve this matter. If this issue is not resolved within 15 days, I will have no choice but to escalate my complaint through legal means and seek damages as permitted under 15 U.S. Code 1681o.

Please provide a written confirmation once these accounts have been deleted from my records. I expect a response no later than [ 15 days from the date of this letter ]. 

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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to formally notify you that your attempts to collect on the alleged debt referenced above are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 16921692p. If you are not aware this entire claim is regulated by an arbitration agreement with XXXX, which clearly stipulates that any dispute must be resolved through arbitration due to the binding agreement. To date there has been no arbitration proceedings. As a direct result of that this is considered a material breach of the arbitration terms listed in the original agreement acknowledged by all involved parties. I confidently assert that you have no right to collect on this alleged debt.

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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Your company has inquiries listed on my credit report that I never agreed to, and theyre negatively impacting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: AL

Complaint narrative:
Cash app did not have any assistance available to help with transactions

Company response to consumer: Closed with explanation