vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-09 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: PA

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 each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request. 
The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report. 
I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them. 
These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft. 
To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: MS

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-09 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: DC

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
Fraud Transaction happened XX/XX/year>. Taken by XXXX XXXX In the amount of {$900.00} Reached out to cashapp for months and was told there was nothing they could do for me. 

Disputed it for months until cashapp restricted my account because I complained and tried to dispute this so many times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: KS

Complaint narrative:
I am filing a complaint again Cash App ( Block Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. 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 2025-05-09 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: TX

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I HAD a LATE PAYMENT ON THIS ACCOUNT. XXXX XXXX THT I WAS IN FACT PAID ON TIME.THE CONSUMER REPORTING AGENCIES HAVE NEED TO REPORT ALL INFORMATION WITH COMPLETE ACCURACY. THIS ACCOUNT HAS NOT BEEN LATE ON PAYMENTS. IVE ATTACHED A COPY OF MY REPORT TO THIS COMPLAINT. IM NOW REQUESTING YOU INVESTIGATE AND PROVIDE VERIFIABLE PROOF WITH RECORDS SHOWING THAT I HAD LATE PAYMENTS. IF THE INFORMATION CAN NOT BE VERIFIED I DEMAND THESE PAYMENTS BE UPDATED TO PAID ONTIME IMMEDIATELY.

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 2025-05-09 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: LA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-05-09 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: AL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a XXXX of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: VA

Complaint narrative:
Subject : Formal Notice of Fraudulent Accounts Immediate Removal Required To Whom It May Concern : This letter serves as formal legal notice that the following accounts reported on my credit file are fraudulent, unauthorized, and must be permanently removed from my credit report immediately : XXXX XXXX  : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX  : XXXX XXXX : XXXX These accounts were opened and/or reported without my knowledge, consent, or authorization, and therefore constitute identity theft and fraudulent reporting. I have reviewed my reports carefully and can confirm that these are not legitimate accounts tied to me in any lawful manner. 

You are legally obligated under the Fair Credit Reporting Act ( FCRA ) to fully investigate and remove inaccurate and unverifiable information from a consumers credit file. I am invoking my rights under federal law and demanding that you : Immediately delete the accounts listed above from all versions of my credit report ; Provide me with written confirmation of the removal ; Failure to comply with this request within the legally required time frame will result in immediate legal action, including but not limited to : I HAVE FILLED OUT Formal complaintswith the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) ; Lawsuits seeking statutory, actual, and punitive damages for willful noncompliance ; Full pursuit of all legal remedies available to me through retained legal counsel. 
Understand this clearly : this is not a casual request. If this matter is not resolved swiftly and these fraudulent entries are not removed, I am fully prepared to escalate this issue in court. My legal team is already on standby and prepared to proceed. 

This is your opportunity to resolve this without litigation. Choose wisely.

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 2025-05-09 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: VA

Complaint narrative:
Subject : Formal Notice of Fraudulent Accounts Immediate Removal Required To Whom It May Concern : This letter serves as formal legal notice that the following accounts reported on my credit file are fraudulent, unauthorized, and must be permanently removed from my credit report immediately : XXXX XXXX  : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX  : XXXX XXXX : XXXX These accounts were opened and/or reported without my knowledge, consent, or authorization, and therefore constitute identity theft and fraudulent reporting. I have reviewed my reports carefully and can confirm that these are not legitimate accounts tied to me in any lawful manner. 

You are legally obligated under the Fair Credit Reporting Act ( FCRA ) to fully investigate and remove inaccurate and unverifiable information from a consumers credit file. I am invoking my rights under federal law and demanding that you : Immediately delete the accounts listed above from all versions of my credit report ; Provide me with written confirmation of the removal ; Failure to comply with this request within the legally required time frame will result in immediate legal action, including but not limited to : I HAVE FILLED OUT Formal complaintswith the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) ; Lawsuits seeking statutory, actual, and punitive damages for willful noncompliance ; Full pursuit of all legal remedies available to me through retained legal counsel. 
Understand this clearly : this is not a casual request. If this matter is not resolved swiftly and these fraudulent entries are not removed, I am fully prepared to escalate this issue in court. My legal team is already on standby and prepared to proceed. 

This is your opportunity to resolve this without litigation. Choose wisely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I contacted capital one on XX/XX/year> to file a charge back request using Mastercard customer agreement for customer satisfaction, I was charged {$130.00} from a merchant for services not rendered as advertised, I was charged for 3 months of service and I cancelled on the first month. I requested capital one to reverse the transaction since the merchant, mint mobile said I needed to go thru my bank to make that request. I gave dates, and times. Now capital one denies my request and asked me to provide information that I already provided and also impossible for me to request from the merchant since i no longer have an active account with them since they can not provide me with my wireless service as advertised. Now, capital one is forcing me to pay for something i dont have. Capital one received the response from the merchant that they didnt received a cancellation request when i transferred my service to another provider, make that make sense. Capital one is choosing a generic response from the merchant and ignoring my statements and information provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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 strongly urge you to correct this late payment entry, as it does not truthfully reflect my payment record. I have always met my payment obligations on time, and this error must be rectified immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: DE

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-05-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Transunion denied My Fraud Block Request on my XXXX XXXX Account. There was XXXX XXXX XXXX and there was a lot of fraudulent transactions on my account. I wanted them to block the information until XXXX XXXX Finish their investigation. So they want keep reporting negative / inaccurate information on 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 2025-05-09 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: MO

Complaint narrative:
I am writing in response to your letter dated XX/XX/year>, regarding the denial of my fraud claim, which was originally submitted through the Consumer Financial Protection Bureau ( CFPB ). Your correspondence states that the matter is now considered closed and no further action will be taken unless I submit " new information. '' This response is both insufficient and unacceptable given the serious nature of the fraud and the absence of any verifiable proof justifying your denial. Under the Fair Credit Billing Act ( FCBA ) and applicable provisions of the Truth in Lending Act, I have a right to receive detailed information on how this investigation was conducted, including : XXXX. A copy of the internal investigation report ; XXXX. Any documentation or evidence allegedly supporting the denial of my claim ; XXXX. Merchant-provided transaction data ( e.g., IP addresses, signatures, shipping information ) ; XXXX. A copy of all correspondence sent on or around XX/XX/year>, which you reference but failed to attach ; XXXX. All documents used to conclude the transactions were authorized or valid. 

Failure to provide this evidence violates both your obligations under the FCBA and the Consumer Financial Protection Bureaus regulations on fair and transparent handling of disputes and fraud investigations. 

Furthermore, your refusal to continue reviewing my claim absent new information improperly shifts the burden of proof to methe victimwithout giving me access to the information that would allow me to contest your findings. As a result, I am formally requesting the following : - Immediate production of all investigative documentation relating to my fraud claim ; - Reopening of the fraud investigation, or a formal written explanation under what legal authority you consider the matter final without transparency ; - An official point of contact for my legal representation, as I am pursuing legal counsel for further action regarding Target Card Services ' handling of this claim and potential violations of federal consumer protection law. 

If you do not provide a full response within 15 calendar days, I will escalate this matter with the CFPB, state regulators, and my legal counsel for further recourse including potential civil action.

Company response to consumer: Closed with explanation