vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-03 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 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 explanation
Consumer complaint received 2025-05-03 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:
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 explanation
Consumer complaint received 2025-05-03 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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: OH

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 XXXXB 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 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: DE

Complaint narrative:
I am disputing the inaccurate reporting of a XXXX delinquency by Comenity Capital Bank XXXX XXXX XXXX account ending in XXXX ). The payment in question was due on XX/XX/year> and was made on XX/XX/year> only 5 days late. Despite this, XXXX reported the account as 30 days delinquent to XXXX XXXX XXXX XXXX 

I did not receive any reminders, alerts, or warning notices before the delinquency was reported. On XX/XX/year>, I sent a secure message through XXXX 's online portal requesting clarification on the late fee charges and why the account had been reported as 30 days late. I received a letter dated XX/XX/year> from XXXX stating that the account was reporting accurately, without providing any supporting explanation or addressing the core of my dispute. 

I then submitted formal disputes with each credit bureau and included documentation such as a payment receipt dated XX/XX/year> and the XX/XX/year> letter from XXXX. However, all three bureaus continue to report the account as 30 days late, even though the payment was only 5 days late. 

This inaccurate reporting has had a negative impact on my credit profile. I have taken every step to resolve this directly and through the credit bureaus, but the false information remains on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: WV

Complaint narrative:
I have XXXX XXXX XXXX and have XXXX XXXX XXXX XXXX. I am paid every XXXX weeks. My first full check totalled just over {$1000.00}. Ive banked with SoFi nearly two years. As per the instruction on the app and on their website, I can do a mobile check deposit, as long as I 1. Endorse the check, 2. Check the box under the endorsement that states it is for mobile deposit only, and 3. Write " SoFi banking '' to designate where/to whom the mobile deposit is intended. I did all of those things, take photos of the front and back of the check ... THEN I'm told I can not make the deposit because the deposit limit is {$500.00}. I'm told this only AFTER I have endorsed the check and marked it as a mobile deposit only. I can not go cash the check because it looks as though I've mobile deposited it and I can't deposit it elsewhere because I've designated it to be deposited to SoFi banking. Essentially I am being penalized for not having direct deposit. The company I work for is a small family owned business and they do not offer direct deposit at this time. When I called SoFi I requested they increase my deposit limit ASAP but they will not give me a time frame for doing so, and can't even assure me the limit will even be raised. Per their website, sofi 's mibile deposit limit is two per day, XXXX XXXX for one deposit and XXXX total for two The limit for depositing cash via atm is XXXX, but I am not depositing cash. This is a legitimate business check, with an attached printed paystub, drawn on a business account at a local bank ( XXXX XXXXXXXX XXXX  ). I would have just gone there and cashed it, had I not already marked it as a mobile deposit. I need this corrected ASAP. When I am able to havey pay direct deposited, I will certainly do so but until then it is wrong for me to be penalized for having a physical check. My deposit limits should be the same as other SoFi accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/year>, XXXX accounting took {$230.00} out of my checking account. I hadn't been with XXXX XXXX nor have I recieved any service from them. I notified Citi Bank. They took my info, and investigated. The day I disputed the transaction, XXXX XXXX closed my account. I thought that was strange because I hadn't been with a bench accounting in XXXX  months nor have a recieved any service from them. They sent me a statement, ruling in my favor. They said I will be reimbursed. I left it alone. A week later, I noticed the money was never deposited back into my account. I let Citi bank know and was told to call back in a week. I'm still not sure why. I recieved a statement from Citi Bank letting me know that XXXX accounting informed them that the transaction was never posted, and it was only pending. That's so weird because I would had figured my bank would had seen that. Anyways, the money was never deposited. I called Citi bank, again, to let them know that the money was never returned. I was told to fax Citi bank with a statement describing the issue. I asked why must I do that when the case had ruled in my favor. I was told that XXXX accounting is affiliated with Citi bank so therefore it's a special case. I faxed them the requested statement and have yet to hear anything from them. Citi bank who works with XXXX XXXX, was supposed to protect my money. They failed. Instead, they are helping their affiliate- the company who took my money that was supposed to be protected. I am having to seek legal actions due to this because I do not feel comfortable with anyone being able to take money out of my account and my financial institution did not protect my account and have, yet, to assist me. When I do call Citi bank, I am given the run around. When I ask to speak with a XXXX, customer service refuses to transfer me. I have been very nice, understanding and patient. CITI bank failed me and instead of protection, they are helping another company to take money out of my account and not even giving me any service. I need assistance, please.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: IN

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 ( XXXX ). 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 ( XXXX ) and Regulation XXXX These actions have caused significant inconvenience an i financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
When reviewing my credit report, I found several accounts listed in my name that do not belong to me. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. The items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I have contacted the Federal Trade Commission and filed a police report. I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financially liable for each inaccurate account. Also, under 616 Section A is liability for willful non-compliance, your agency has yet to respond to my questions and statements of the Law.

AFFIDAVITS OF LAW 1. Are you the original creditor?

2. Have you given the debtor the opportunity to review the original contract?

3. Have you validated the home address for the debtor?

4. Have you complied with all FRCA, FDCP and FDCPA laws?

5. Have you reported to the consumer who has reviewed the original contract information with his/her original signature? 
6. Have you provided the names of all creditors that have provided the names and addresses of the person who has reviewed consumer relations? 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: PR

Complaint narrative:
I am filing this complaint because my Experian credit report shows several accounts that do not belong to me. The accounts in question are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have never had any credit accounts or relationships with these companies. This inaccurate information is negatively affecting my credit history and score. I have already submitted disputes directly with Experian, requesting an investigation and the removal of these fraudulent or incorrect accounts, but they have not been removed. 
I am requesting that these inaccurate accounts be removed from my credit report immediately, as they are false and damaging.

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 2025-05-03 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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:
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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 explanation
Consumer complaint received 2025-05-03 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: NY

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2025-05-03 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: NC

Complaint narrative:
I am filing this complaint due XXXX multiple unauthorized hard inquiries that have been made on my credit report without my knowledge, consent, or permissible purpose, as required by the Fair Credit Reporting Act ( FCRA ). 

Under FCRA Section XXXX ( XXXX XXXX. XXXX ), a hard inquiry XXXX only be made if there is a legitimate permissible purpose, such as a credit application that I explicitly authorized. I have not applied for credit or authorized any of the following companies XXXX access my credit report : These inquiries were not initiated or approved by me in any capacity. I have contacted the credit reporting agency ( [ XXXX/TransUnion ] XXXX XXXX XXXX these inquiries XXXX demand their removal. However, no satisfactory resolution has been provided. 

The continued reporting of these inquiries without proof of authorization is a violation of my rights as a consumer under the FCRA XXXX potentially opens these companies XXXX the credit bureaus XXXX civil liability. Hard inquiries can lower my XXXX XXXX XXXX affect my ability to obtain credit therefore, this is not a trivial issue.

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 2025-05-03 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: SC

Complaint narrative:
Subject : FCRA Violation Complaint Dear Consumer Financial Protection Bureau, I am filing a complaint against TransUnion Consumer Solutions for violations of the Fair Credit Reporting Act ( FCRA ), specifically XXXX ( 15 U.S.C. XXXXi ). Over XXXX days ago, I disputed inaccurate information on my credit report as allowed under XXXX ( a ), requiring investigation and correction within the prescribed time. 

Despite this, the disputed information remains uncorrected, in direct violation of the FCRA. This negligence continues to harm my credit and financial standing. I request immediate investigation and enforcement of compliance. 

Subject : Request for Immediate Resolution of FCRA Violations

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 2025-05-03 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-05-03 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: NC

Complaint narrative:
I am filing a complaint because creditors are reporting late payments on my accounts that are inaccurate and not properly verified. I have disputed this directly with all XXXX credit bureaus and the furnisher, but the late payments still remain without proper validation or documentation. Under 15 USC XXXX XXXX XXXX ( a ) furnishers must report accurate information under 15 USC XXXX ( I ) the credit bureaus must perform a reasonable investigation within XXXX  days. Neither of the credit bureaus have provided sufficient evidence to support negative reporting. All of these are closed accounts which has been closed over XXXX or more years ago but are still reporting late payments in XXXX. Law 15. USC XXXX ( a ) requires a specific adverse action notice when adverse action is taken based on information contained in a consumer report. 
XXXX XXXX closed XX/XX/XXXX XXXX closed XX/XX/XXXX XXXX closed 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 2025-05-03 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
Made XXXX payments for services to be received and was scammed. This company CashApp never gives money back and only allows you to report an issue and waste time trying to get your funds back. Those payments totaled up to {$1000.00} and I absolutely need that back asap as the service was not provided!

Company response to consumer: Closed with explanation