vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
In XXXX, Cash App did not offer live customer support or a phone number to contact regarding transactions that were sent incorrectly or fraudulently. As a result, I was unable to receive proper assistance for money that could not be disputed. 

In XXXX, Cash App unexpectedly closed my account without providing an explanation. Although I was able to open another account, it was also closed. I later contacted what I believed to be a live representative of Cash App and provided my personal information in an attempt to understand why I was unable to create another account and why I never received support for the previous issues. 

I am now concerned that my personal information may have been compromised in a data breach, as the individual I spoke with did not seem to be a legitimate Cash App representative and was unable to provide real assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: NY

Complaint narrative:
Subject : Request for Consideration of Fraudulent Activity on My Account The dates that I think were affected due to identy theft XXXX, I am writing to inform you of a situation that has negatively impacted my ability to make timely payments on my mortgage and to request that you review my account in light of the fraudulent activity I have recently experienced. 

Unfortunately, I have been the victim of identity theft. My personal information was compromised through both online platforms and email, as well as through regular mail, which led to unauthorized access to my accounts and financial information. As a result, I was unable to properly manage or make timely payments on my bills, including my mortgage. 

Due to this fraudulent activity, I was unaware of the overdue balances or notifications regarding my payments. By the time I realized the fraud had occurred, I had missed important deadlines, and my credit report now reflects late payments and delinquencies that were the result of actions beyond my control. 

I would greatly appreciate it if XXXX XXXX could review my case and consider these circumstances when evaluating my account. Given that these late payments were due to identity theft and fraud, I am requesting that any negative impacts on my credit report, stemming from this situation, be removed or corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: NY

Complaint narrative:
Subject : Request for Consideration of Fraudulent Activity on My Account The dates that I think were affected due to identy theft XXXX, I am writing to inform you of a situation that has negatively impacted my ability to make timely payments on my mortgage and to request that you review my account in light of the fraudulent activity I have recently experienced. 

Unfortunately, I have been the victim of identity theft. My personal information was compromised through both online platforms and email, as well as through regular mail, which led to unauthorized access to my accounts and financial information. As a result, I was unable to properly manage or make timely payments on my bills, including my mortgage. 

Due to this fraudulent activity, I was unaware of the overdue balances or notifications regarding my payments. By the time I realized the fraud had occurred, I had missed important deadlines, and my credit report now reflects late payments and delinquencies that were the result of actions beyond my control. 

I would greatly appreciate it if XXXXXXXX XXXX could review my case and consider these circumstances when evaluating my account. Given that these late payments were due to identity theft and fraud, I am requesting that any negative impacts on my credit report, stemming from this situation, be removed or corrected.

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 2025-03-31 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: NY

Complaint narrative:
Subject : Request for Consideration of Fraudulent Activity on My Account The dates that I think were affected due to identy theft XXXX, I am writing to inform you of a situation that has negatively impacted my ability to make timely payments on my mortgage and to request that you review my account in light of the fraudulent activity I have recently experienced. 

Unfortunately, I have been the victim of identity theft. My personal information was compromised through both online platforms and email, as well as through regular mail, which led to unauthorized access to my accounts and financial information. As a result, I was unable to properly manage or make timely payments on my bills, including my mortgage. 

Due to this fraudulent activity, I was unaware of the overdue balances or notifications regarding my payments. By the time I realized the fraud had occurred, I had missed important deadlines, and my credit report now reflects late payments and delinquencies that were the result of actions beyond my control. 

I would greatly appreciate it if XXXXXXXX XXXX  could review my case and consider these circumstances when evaluating my account. Given that these late payments were due to identity theft and fraud, I am requesting that any negative impacts on my credit report, stemming from this situation, be removed or corrected.

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 2025-03-31 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: TX

Complaint narrative:
I am writing to follow up on my previous correspondence regarding several negative accounts appearing on my credit report due to identity theft, as detailed in my last letter. 

In my initial statement, I outlined the unauthorized transactions and accounts that have been fraudulently opened in my name, which have severely impacted my credit standing. I kindly requested the removal, blocking, or updating of these inaccurate entries, as well as a prompt response regarding the dispute 's timeline and process. 

Please provide an update on the current status of my case and confirm the steps that have been or will be taken to resolve this matter. If there is any additional information or documentation required, please let me know, as I am committed to assisting with the verification and correction process to ensure an accurate reflection of my credit report. 

I appreciate your time and consideration in addressing this issue. I look forward to your response and a timely resolution to restore the integrity of my credit record. 

Thank you once again for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: TN

Complaint narrative:
The company is One Main Financial. I have been paying on this loan for approximately 8-10 years and I have paid them at least {$76000.00}. I had to use one vehicle a white blazer and when I re-borrowed I had to turn over the title to my XXXX XXXXXXXX XXXX which they were supposed to pay off but I got a request from the persons who financed this vehicle that it was not fully paid off so I had to send them additional funds to complete payoff. ( bank account wasn't a lot ) but they were supposed to pay in full. I have more than paid off that loan. They have been taking {$570.00} out of my bank account for years to the tune of at least {$76000.00}. They are engaging in deceptive acts in violation of the consumer financial practice act of XXXX The interest rates and amount is almost as much as what I borrowed. They first said I owed @ XXXX and later told I still owed {$18000.00} and the pay off is {$14000.00}. After all the money that has been taken from me????? A man that used to work at one of the branches said they were awful and ruthless people and refused to work there anymore. They have my XXXX XXXX XXXX title, can take my car? I have been very ill multiple surgeries and doctor and specialists appointments. There is something very wrong to allow a company to do this to people. Please help. I have never wronged anyone in my life. I always try to help. Bad things keep happening to me. Thank you for your time and attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: SC

Complaint narrative:
XXXX XXXX XXXX  XXXX {$160.00} XXXX XXXX XXXX {$630.00} XXXX XXXX XXXX XXXX {$650.00} These companies are scams and are not mine, I have filed and identity theft form and I need these fraudulent accounts removed from the credit reports asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was charged overdraft fees of {$35.00} numerous times when Wells Fargo Bank was late on updating my current balance which kept me in the dark about my balance. I don't remember the dates though I do believe it was in 2021

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 2025-03-31 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: MS

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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: MO

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 2025-03-31 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: MS

Complaint narrative:
I hope this message finds you well. Im reaching out because Ive noticed some incorrect information on my credit report, and I need to get this straightened out immediately. There are accounts that I did not authorize, and it does not belong on my credit report. This is clearly an error, and I expect you to take prompt action to remove it.

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 2025-03-31 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Friday, XX/XX/XXXX Home Depot credit card opened without my authorization No charges had been made Contacted Home Depot fraud department to close account Froze accounts through all Credit bureaus and disputed Hard Inquiries made through XXXX Credit bureau

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 2025-03-31 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP
State: CA

Complaint narrative:
My wife and I were gifted a XXXX Debit Gift Card from a friend. When we try and enter the card number on the provided site on the back of the card, XXXX, it says not vaild. We called the number provided on the back of the card, XXXX and after providing the long bar code number, the debit card number and XXXX digit code, they said we need to go to there site and send a picture of the gift card and our driver license, to obtain any information about the debit card. They seem extremely scam like on the phone. I called twice and spoke with XXXX different women who both made me feel like they couldn't help until I sent my information. After reading reviews on the company, this does look like a company who takes peoples money and makes it impossible to use the gift cards.

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 2025-03-31 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I do not recognize these credit inquires and I had ask for them to be remove and the bureau did not do as I asked I am providing an identity theft report which I will attach I am request them to be removed because they are inaccurate and not mines 15 u.s. code 1679c 15 us code 1681

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 2025-03-31 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I am formally disputing the following negative items on my credit report XXXX XXXX XXXXXXXX XX/XX/year> {$0.00} XXXX XXXXXXXX XX/XX/year> {$0.00} These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: FL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, XXXX XXXX TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 2025-03-31 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: OK

Complaint narrative:
I discovered that my personal information was used without my consent to open accounts or make unauthorized purchases. I did not initiate or authorize any of the transactions or accounts associated with my name. I believe my identity was compromised through theft or fraud, and I immediately took steps to report the issue to the authorities and the affected companies. Despite these efforts, the companies involved have not fully resolved the matter or removed the fraudulent charges and accounts from 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 explanation
Consumer complaint received 2025-03-31 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: OK

Complaint narrative:
I discovered that my personal information was used without my consent to open accounts or make unauthorized purchases. I did not initiate or authorize any of the transactions or accounts associated with my name. I believe my identity was compromised through theft or fraud, and I immediately took steps to report the issue to the authorities and the affected companies. Despite these efforts, the companies involved have not fully resolved the matter or removed the fraudulent charges and accounts from 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 2025-03-31 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:
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