vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-22 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:
This letter serves as my final attempt to resolve this matter before I initiate legal action against your agency for violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Despite numerous disputes and opportunities to correct the inaccuracies on my credit report, you have failed to comply.

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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This letter serves as my final attempt to resolve this matter before I initiate legal action against your agency for violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Despite numerous disputes and opportunities to correct the inaccuracies on my credit report, you have failed to comply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Account XXXX XXXX ( XXXX XXXX  ) MCM # XXXX, I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide " Certified mail '' with receipt displaying my signature. If not, please delete account XXXX XXXX ( XXXX XXXX  ) MCM # XXXX as soon as possible from the report or I will have to take legal action!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: IL

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 2025-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: TX

Complaint narrative:
So, Cash App randomly disabled my account and routing numbers on XX/XX/XXXX. The next, half a second later, I got a notification that they were enabled again, so I did not worry about it. But later that day, I tried paying my phone bill online, and it kept saying payment failed. I get notifications from Cash App with a different error message every time, like " wrong expiration date '', " Payment Failed '', etc. So I try my debit card on other purchases, and nothing works. Then I call up support the same day, and they say that the issue will have to be discussed with my sponsor. I informed them that she no longer had access to her sponsor account. After calling so many times, someone helped her get access to her account back, except a few minutes later, my entire account gets suspended without reason. So now my sponsor and I are trying to get help from them to fix the issue, but all I am met with is that " we can not provide any information on your case ''. Not even no reason for my account suspension or the initial disabled account number. I depend on the income I get from there to help out my family. So, for Cash App to just do that for no reason is disgusting, and then to provide little to no help. I have had issues with them before, when everyone started noticing that Cash App banned adult accounts from sending money to sponsored accounts. It is a recent issue that was added without warning and was never fixed. Their excuse is safety reasons, but the whole point of sponsored accounts is to receive money from adult family members or friends. Their customer support is horrible, the staff is rude, and to shut you up, they will pretend like they sent your case to a " specialized team ''. It's time they fixed all these issues because it affects teens who have to help their families, and Cash App is their only way to move money around. Also, yes, not receiving payments from adults is real. I did some research, and everyone has that issue on XXXX and at my school. It defeats the whole purpose of sponsored accounts. Oh, also, they have an issue with scammers. There will be transactions like " XXXX '' with a very badly cropped profile image of the logo, and it's the old logo, and they will charge odd amounts of money directly from your balance. I know it's a scam because of what I mentioned and because I don't even have XXXX. So that is 3 issues total. That is how much Cash App cares about its users.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: DC

Complaint narrative:
Two unauthorized addresses have been added to my credit file without my knowledge or consent. These addresses are not associated with me, my residence, or any legitimate financial activity on my part. ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX Address ID-Equifax ) and ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Address ID - Equifax ) When I told them this they did not remove it even after I provided a report. 

Two hard inquiries from this year appear on my report which I did not authorize. I have not applied for credit or services with the institutions responsible for these inquiries. ( XXXX XXXX XXXX, ( XX/XX/year> XXXX XXXX XXXX ) and ( XXXX XXXX XXXX XXXX, ( XX/XX/year> ) XXXX XXXX  ) Even After the items were disputed with Equifax and reports were given the items were never removed. 

I am writing to formally dispute inaccuracies that have appeared on my credit report with your agency. Under the Fair Credit Reporting Act ( FCRA ), the Consumer Financial Protection Bureau 's updated dispute procedures, and in light of the Equifax and Experian data breaches which have compromised consumer information, I am requesting immediate investigation and correction of the following fraudulent entries : Two unauthorized addresses have been added to my credit file without my knowledge or consent. These addresses are not associated with me, my residence, or any legitimate financial activity on my part.

Two hard inquiries from this year appear on my report which I did not authorize. I have not applied for credit or services with the institutions responsible for these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: NY

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

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 2025-04-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: WLCC
State: GA

Complaint narrative:
ExplorecreditXXXX  approve me for a {$500.00} loan. Id sent them all of my information, including debit card and banking routing and account information in order to pay back the loan I never received the loan they are stating that it was sent to a different banking account they would not verify the original account number on the application which I never filled out the application. I believe this company is doing fraudulent charges, and trying to steal consumers identity. I asked for them to provide me with the banking information thats on the application and they will not share that. I also requested that they cancel my application. They have not provided me with a cancellation email or notification. I also was charged a dollar on my debit card and they have not refunded that they stated that is just to verify the card is active, which that is not making sense because if my debit card on file is active, how is it that there is a wrong checking account?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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:
I am writing to request a investigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 
Below are the accounts I am requesting to be reinvestigated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: FL

Complaint narrative:
I am writing to request a investigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 
Below are the accounts I am requesting to be reinvestigated : 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 2025-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: SC

Complaint narrative:
In reference to US Bank 's handling of a fraud dispute concerning my account, I am formally lodging a complaint against them. After learning that my card had been lost, I found fraudulent transactions on my account in XX/XX/year>2024. I reported the fraudulent transactions to US Bank right away, and I was given the assurance that the matter would be resolved. However, a customer service agent then informed me that the reason my claim for {$6000.00} compensation was denied was because I had not submitted a claim form. I was informed that my caseworker will be contacted to deliver a claim form after I stated that I had never received one. Regretfully, weeks went by and I never got the paperwork. When I followed up with US Bank over the phone, a separate agent informed me that there was no record of my earlier request for the claim form. I was told once more that I will be contacted by my caseworker. Even after several months, I have yet to hear back from anyone or get my matter resolved. Consequently, I have had tremendous financial difficulties, getting behind on my expenses and suffering from extreme stress, anxiety, and sadness. I am currently taking prescribed drugs bupropion, lorazepam because of the distress this experience has brought me. Although I had faith that US Bank would protect my money, their inability to adequately look into and support my fraud claim has caused me much XXXX. Serious questions concerning their ethics and customer service are raised by the reps ' poor communication and lack of assistance. It is my request that the XXXX look into this issue and assist in finding a solution. I would appreciate any assistance in recovering my lost funds and ensuring that US Bank adheres to ethical standards when handling fraud cases. Thank you for your time and attention to 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 2025-04-22 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: TN

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-04-22 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: TN

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: CA

Complaint narrative:
These companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted TransUnion and the representative said they would be removed but I still see them 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 2025-04-22 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: CA

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 explanation
Consumer complaint received 2025-04-22 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: NY

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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On XX/XX/year>, XXXX XXXX and I agreed to defer my payment that was due XX/XX/XXXX for {$780.00} to the end of the loan and they would not report the payment as 30 days late. Also, they required I pay a fee o {$150.00} to facilitate deferring the loan payment which they were supposed to take from my checking account on XX/XX/XXXX. ON XX/XX/XXXX, I noticed they had not taken the {$150.00} payment from my account and I called and manually paid the {$150.00}. The next day, i received a notice from Experian my credit score went down and I reviewed my credit report and there was a 30 day late payment for the XX/XX/year> payment?? This late payment was wrong because my XXXX payment was not due until XX/XX/XXXX and I had an agreement with XXXX to defer the XXXX Payment to the end of the loan and not be considered 30 days late which I paid for that process?? Also, I discovered XXXX XXXX, is not applying my payments properly to my principle and interest and more than {$2000.00} worth of principle payments have not been applied correctly!

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 2025-04-22 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: CA

Complaint narrative:
I am formally disputing the following negative items on my credit report. 
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 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 2025-04-22 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: MO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-22 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: CA

Complaint narrative:
Im reaching out because I recently reviewed my credit report and noticed some accounts listed that I never opened or authorized. Ive never had any dealings with these companies, and seeing them show up on my report was both confusing and alarming. Just to be clearthese accounts are not mine. I didnt open them, I didnt give anyone permission to use my information, and I have no connection to them whatsoever. It seems like my personal information may have been used without my knowledge.

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