vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-14 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: ID Analytics, Inc.
State: GA

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: LA

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-02-14 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 have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-02-14 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-02-14 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 have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-02-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: MD

Complaint narrative:
I received a 1099-K from Cash App for an account I did not open. Not only do I not feel responsible for paying for finds I did not receive, but Cash App is not able to close the account. Since I didn't create the account, I do not have the user name nor can I access it from the app. Cash App claims that's the only way to cancel an account. They are not able to cancel it using a SSN or any other personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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 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 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 2025-02-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Unexpected fees — 
Company: Benht: Economic Development Corporation
State: CA

Complaint narrative:
I had taken out a personal loan of XXXX through XXXX XXXX in XXXX of XXXX  They claimed to have low rates and honest business. It wasnt until after they sent my contract that they asked my signature to revcieve, they then started charging me 600 % interest and now a XXXX loan turns to over XXXX. But wait i can pay it all in full and not worry about it if i give them XXXX upfront.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing a formal complaint against Equifax for serious violations of the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). Despite my repeated attempts to resolve this matter directly with Equifax, they have failed to remove inaccurate, unverifiable, and fraudulent accounts from my credit report, which continue to negatively impact my credit score and financial well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

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 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
I applied to Lightstream for a personal loan as well as went through the website XXXX and applied for a personal loan. They reported back to me saying my credit score was way below what XXXX told me it was. My credit score with XXXX at that time was XXXX. But these companies reported my score which they obtain through XXXX way lower than my actual credit score which has hurt my credit with inquiries as well as me not being able to apply for any new credit to pay my bills. XXXX stated that my credit score was a XXXX pulled on XX/XX/year> through XXXX. 

Lightstream reports that my credit score is XXXX reported on XX/XX/year>. 

Both are not true as I've spoken with XXXX, but it's still being reported tlby XXXX these scores to these companies. I have the 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 explanation
Consumer complaint received 2025-02-14 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: NV

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-02-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
I am filing a complaint against cash app ( Block Ink. ) due to inaccurate customer service in unfair practice which violates the Consumer Financial Protection Act ( FCPA ). Specifically Cash App failed to take timely and effective measure 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 fraud transfer act ( EFTA ) and regulation E these actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX Subject : Complaint Against Experian for Failure to Remove Inaccurate Name Dear Consumer Financial Protection Bureau , I am writing to formally file a complaint against Experian for their failure to remove an inaccurate name from my credit report. I initially disputed this incorrect information and filed a complaint with Experian. However, they failed to respond within the legally required XXXX timeframe, thereby violating my rights under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ( a ) ( XXXX ) ( A ) ). 

Under the FCRA, credit reporting agencies are required to investigate and respond to disputes within 30 days. Since Experian has not provided verification or removed the inaccurate name within the mandated timeframe, they are legally obligated to delete the incorrect information. 

Additionally, Experian has a history of failing to comply with consumer protection laws. The recent case XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), highlights how credit reporting agencies have been held accountable for failing to ensure the accuracy of their reports. Furthermore, the lawsuit Federal Trade Commission XXXX Experian Information Solutions XXXX demonstrated Experians pattern of noncompliance with consumer rights regarding inaccurate reporting. 

State laws further support my claim. [ Insert applicable state law regarding credit reporting violations, such as XXXX Consumer Credit Reporting Agencies Act ( CCRAA ) for XXXX residents or similar state protections ]. These laws reinforce that credit reporting agencies must maintain accurate and verifiable consumer records and remove erroneous information in a timely manner. 

Due to Experians failure to comply with federal and state laws, I am requesting that the CFPB take immediate action to ensure Experian removes the inaccurate name from my credit report and complies with all legal requirements. Additionally, I seek any applicable remedies, including penalties against Experian for noncompliance. 

I have attached copies of my dispute letter to Experian, proof of mailing, and any responses ( or lack thereof ) to substantiate my claim. I urge the CFPB to investigate this matter and hold Experian accountable for their failure to act in accordance with the law. 

Please confirm receipt of this complaint and provide me with updates regarding any action taken. Thank you for your time and assistance in resolving this matter.

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 2025-02-14 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: NJ

Complaint narrative:
I am writing to file a formal complaint against Transunion, a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previously deleted material into my credit report. On XX/XX/year> I sent a letter to Transunion notifying them of the reinsertion of XXXX  account number XXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA section 611 ( B ). Transunion has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations. 
Transunion actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with Transunion, they have neglected to take appropriate action, demonstrating a lack of accountability and compliance with federal consumer protection laws.

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 2025-02-14 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: OH

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have applied to XXXX XXXX to be a part of their patient XXXX program. For the last XXXX years, I have had to send them tax returns as proof of my income because they subscribe to a service that I think is Experian XXXX that verifies income that is telling them my income is 4 times what it actually is. 

As I'm sure you are aware, Credit Reporting Agencies are as difficult to contact as XXXX XXXX. I can't even get the XXXX company to tell me any info about the service they use because " that department doesn't take incoming calls. 

I don't know where to turn for help. I ope yo receive this before the new XXXX closes you down. 

PLEASE HELP

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 2025-02-14 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: NY

Complaint narrative:
I am writing to formally dispute certain accounts listed on my credit report, as I believe they are fraudulent and do not belong to me. I have reviewed my credit report and found the following accounts that I believe are inaccurate : Account Name/Number : XXXXXXXX XXXX XXXXXXXX ( FLAGGED MY CREDIT ) Account Name/Number : XXXX XXXX XXXX XXXX  Account Name/Number : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name/Number : XXXX # XXXX These accounts were opened without my knowledge or consent, and I suspect that my personal information has been compromised. I have taken steps to report this identity theft to the relevant authorities and have attached copies of any other supporting documentation. 
In accordance with the Fair Credit Reporting Act, I request that you investigate these accounts and remove them from my credit report. Additionally, please provide me with a written confirmation of your findings and any actions taken.

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 2025-02-14 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: NJ

Complaint narrative:
I am filing a complaint against Equifax for falling to properly investigate my dusputes regaurding inaccuracies in my credit report. Despite my submissions, Equifax consistenly responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the fair credit reporting act ( FCRA ) ,15 U.S.C S 1681i, witch madates a reasonable investigation of disputes. Futhermore, Equifax 's actions may also contravene the cuonsumer financial protection act ( CFPA ), 12 U.S.C s 5536 ( a ) ( 1 ) ( A ) - ( B ), as Highlighted in CFPB 's Recent administrative proceeding ( file NO. 2025-CFPB-0002 ) against them for similar violations. i request that cfpb take action to ensure Equifax complies with the necessay proof of investigation Accounts with inaccuracies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-14 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: NJ

Complaint narrative:
I am filing a complaint against Equifax for falling to properly investigate my dusputes regaurding inaccuracies in my credit report. Despite my submissions, Equifax consistenly responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the fair credit reporting act ( FCRA ) ,15 U.S.C S 1681i, witch madates a reasonable investigation of disputes. Futhermore, Equifax 's actions may also contravene the cuonsumer financial protection act ( CFPA ), 12 U.S.C s 5536 ( a ) ( 1 ) ( A ) - ( B ), as Highlighted in CFPB 's Recent administrative proceeding ( file NO. 2025-CFPB-0002 ) against them for similar violations. i request that cfpb take action to ensure Equifax complies with the necessay proof of investigation Accounts with inaccuracies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation