vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I recently reviewed my credit report on XX/XX/XXXX and found that I still have accounts reporting on my credit report fraudulently. The XXXX XXXX XXXX account # XXXX, opened XX/XX/XXXX XXXX {$1300.00} has been previously disputed through Transunion and XXXX personally. I have reason to believe investigations conducted have not been thoroughly conducted as only the balances on the debts have been updated and no validity of the debt has ever been produced by debt collection agency or credit reporting agency.Upon sending a letter to verify what debts that I allegedly owe, the address presented on all XXXX credit reporting agencies is a fictitious address as this company is just a sub corporation attempting to collect a debt for XXXX XXXX. XXXX XXXX XXXXXXXX has recently been placed on my credit report balance {$530.00} and have never notified or communicated of any debt what so ever. These accounts are in violation of the FCRA and is a violation of 15 USC 1692g in particular. Please ( RE ) investigate these accounts as they are hindering my ability to obtain credit. These accounts violate the FCRA are subject to {$1000.00} per violation as well damages accrued in the process of insuring my credit report has been reporting fair and accurately for several months now. These damages would certainly fall under 15 USC 1692d with both debt collection agency and credit reporting agency being liable

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, IA XXXX Federal Trade Commission XXXX XXXX XXXX, XXXX XXXX XXXX DC XXXX Subject : Formal Complaint Regarding Credit Reporting Violations Dear CFPB and FTC, I am writing to formally lodge a complaint against Experian due to their ongoing failure to comply with the Fair Credit Reporting Act ( FCRA ) and their improper handling of my credit report. 

On XX/XX/XXXX, I reviewed my Experian credit report and discovered that my previous account with XXXX XXXX XXXX  was deleted, shortening my credit history. This is concerning given that XXXX XXXX has confirmed that they updated my account information and sent it to all three credit reporting agencies. 

Despite my efforts to rectify this issue directly with Experian, I have encountered significant roadblocks, including : 1. Experian 's improper reinsertion of inaccurate information into my consumer report, which contradicts the assurances I received regarding the deletion of the account.

2. A lack of clear communication and transparency from Experian regarding their investigation processes and the criteria used for re-insertion of deleted accounts. 
XXXX. Allegations against Experian for failing to implement necessary measures to prevent the re-reporting of previously disputed and deleted information. 

The CFPB has previously highlighted these violations, and I urge your offices to investigate Experian 's practices. I believe that their actions not only violate the FCRA but also constitute unfair acts or practices under the Consumer Financial Protection Act. 

I kindly request that both the CFPB and FTC take appropriate action to address these violations and enforce compliance with federal regulations. I am happy to provide any additional information or documentation needed to aid in your investigation. 

Thank you for your attention to this matter. I look forward to your prompt response and action regarding this issue. 

Sincerely,

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: Block, Inc.
State: IN

Complaint narrative:
Im filing a complaint against Cash app. ( Block , inc ) due to inadequate customer service and unfair practices, which violated the Consumer Financial Protection Act ( CFPA ). Specifically, Cash app failed timely and effective measures to prevent and address the 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 Electric Fund Transfer Act ( EFTA ) and Regulation E. These actions have cause significant inconvenience and financial loss to all users. I am seeking appropriate redress for these violations

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: EQUIFAX, INC.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$4200.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To whom it may concern : According to FCRA section 611, I have the right to dispute any information on my credit report that I believe is not correct. I can not recognize or accept the allegation of delinquency without factual proof. You should not report any allegations that you know or should know are not in compliance with regulations and the law. I am writing to inform you that you need to make sure all your allegations are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. If it is not, I want it removed from the report. I authorize you to take steps to correct my credit and send me physical proof of your actions. The following claims are unverified and require further investigation. Please report any verified claims immediately. Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have previously submitted complaints regarding inaccurate items on my credit report, yet no corrective action has been taken. I am once again requesting the removal of all negative and erroneous items from my report.

If this matter is not addressed promptly, I will have no choice but to pursue legal action to seek compensation for the violations under applicable credit reporting laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My due date was changed in XX/XX/2024 when I asked for a loan deferred payment and now Im being charged a late fee for the loan since XXXX of {$38.00}. My loan was originally due on the XXXX of the month at the end. Now Im charged fees every month and would like all the fees to be returned and my due date returned to the end of the month.

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 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
Wrong information wrong social security number. Invalid information dealing with collections on my report. Please fix this issue.

Company public response: Company can't verify or dispute the facts in the complaint
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 — Funds not handled or disbursed as instructed
Company: EAST WEST BANK
State: TX

Complaint narrative:
I had opened an account with EastWest Bank upon opening the account i had made 2 deposits totallin over {$1000.00}. after i had made the deposits they all of a sudden closed my account with the only reason given to me was XXXX  and that was the only thing said to me. No exact or specific reason given to me whatsoever. They had locked me out of online banking so i have no access to my funds nor do i have a way to get my account number. The only way I have been able to contact them is via email which i have done 3 times and yet to have gotten any kind of response back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IL

Complaint narrative:
I've always made weekly payments on my car note, and was never having an issues until now. I check my account regularly to make sure the payment has gone through. Now all of a sudden since the beginning of XXXX, my banking information is being removed and my payments aren't going through. I've spoke with these people several times regarding this issue and they only repeat to me what they see. They are no help when the customer is frustrated and livid with them because they aren't willing to help. TFS is removing my baking information and I want to know why. I'm currently behind on my car note because they are reserving my payments I make through the app, over the phone and via the website. This is concerning because I still have at least 3 years to pay on this car. I have recently added my banking information again, within 3 to 4 days, I'll get and email as usual that my payment has posted. A day later I'll get an email stating that my payment and banking details were removed. There's only one bank account used to make payments for this vehicle I have. If my care is repossessed, they will pay for it. I have never experienced this before and, but now if becoming problem seeing that it's going into XXXX and I'm almost 3 months behind on my car note. This isn't okay and they need to address this issue immediately!

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: 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: MI

Complaint narrative:
So Experian continues to use false dispute tactics, they refuse to provide me with details on how these inquires were validated, instead they keep send me unable to honor request emails or letters. I see why they have pending law suits against them, because they refuse to do there job.

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: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
I had no acknowledgement of this. Was giving a bill and forced to pay it makes no since. I orderd nothing used nothing. This matter was deemed dismissed see attachment. They realized it was wrong person wrong address not me!

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: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I never received my card from boa and account was closed then they said they would issue me a check which again was a year late.

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 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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion.

Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES 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 2025-02-01 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:
I dispute some items on my credit report, and they said it came from a third-party, which was incorrect, and none of my items were deleted

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: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Thaxton Investment Corporation
State: GA

Complaint narrative:
Wrong information wrong social security number. Invalid information dealing with collections on my report. Please fix this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Tax refund anticipation loan or check
Issue: Confusing or misleading advertising or marketing — 
Company: Credit Karma, LLC
State: KS

Complaint narrative:
During 2025 tax filing through XXXX XXXX i was offered a refund advance loan via credit karma and it was very clearly that i was approved for the loan contingent upon the agreement that i use a credit karma account to have my refund deposited. 4 days after accepting this offer i was informed through XXXX XXXX that i was 'not approved ' for the advance that i had previously been approved for and i am not able to recieve my refund into another account. XXXX XXXX has also not refunded the fees associated with this refund method

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 — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I tried to dispute the inaccurate information off my XXXX and Experian as soon as I submit the the dispute ticket its coming back automatically verified and the information is not accurate and its affecting my credit worthiness

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: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: IN

Complaint narrative:
My cashapp was recently hacked blocked XXXX but somehow someone has used my card and I also disputed the purchases

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
Cash app missing money I don't have the dates because they closed my cash app account

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 — Deposits and withdrawals
Company: Block, Inc.
State: IN

Complaint narrative:
I was supposed to receive my refund and didnt I would like my money back please

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Consumer Collection Management. Inc
State: SC

Complaint narrative:
I had XXXX XXXX orders with the XXXX XXXX to another state therefore me not paying was not a crime or should I still have to pay collection

Company public response: Company believes it acted appropriately as authorized by contract or law
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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to express my serious concerns regarding inaccuracies in my credit report. Upon reviewing it, I discovered multiple errors, including incorrect account listings, unauthorized inquiries, inconsistent billing, and accounts that do not belong to me. These issues are affecting my financial stability, and I urgently require your assistance in resolving them.

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

Complaint narrative:
I am writing to express my serious concerns regarding inaccuracies in my credit report. Upon reviewing it, I discovered multiple errors, including incorrect account listings, unauthorized inquiries, inconsistent billing, and accounts that do not belong to me. These issues are affecting my financial stability, and I urgently require your assistance in resolving them.

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