vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: PA

Complaint narrative:
cashapp closed my account on the XXXX and they will not tell me how i violated terms of service because i absolutely did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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 HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC XXXX CXXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$41000.00} XXXXXXXX XXXX # XXXXXXXXXXXXXXXX XX/XX/XXXX -- {$41000.00} XXXX XXXX # XXXXXXXXXXXXX XX/XX/XXXX -- {$7400.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

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 2025-01-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Disputes an incorrect item and it was not removed.

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 2025-02-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: SC

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I May review to see if this is actually an account that belongs to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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:
In accurate reporting not me FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) XXXX. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information. in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accurate reporting not me FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) XXXX. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information. in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 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
Consumer complaint received 2025-02-01 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: NC

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc.
State: AR

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am filing a formal complaint regarding identity theft and fraudulent accounts opened in my name. I am requesting immediate action to rectify the damage to my credit report and hold the responsible parties accountable. I have file multiple disputes, spanning 4 years with no resolution. 
My personal information was compromised during a contested divorce proceeding from XXXX to XXXX, during which time my then-spouse had access to sensitive documents containing my personal information. 
Following the finalization of my divorce on XX/XX/XXXX I discovered several unauthorized accounts, including : Account name COMENITYBANK/XXXX  Account number XXXX Balance {$2500.00} Pursuant to [ FCRA 15 U.S.C. 1681c-2 ] ( Section 605B ( a ) ), I am providing the following documentation as required for the blocking of information resulting from identity theft : 1. Proof of my identity.

2. A copy of my identity theft report.

3. Identification of the fraudulent information. 4. This statement that the information is not related to any
transactions I have made.

Also pursuant to [ FCRA 15 U.S.C. 1681c-2 ] ( Section 605B ( a ) ), I demand that you immediately block the reporting of all information related to these fraudulent accounts and the mortgage default, as required by law within 4 business days upon receipt of this letter. I also request a full investigation into this matter.

I am prepared to pursue all available legal remedies, including those afforded by [ FCRA 15 U.S.C. 1681o ] ( Section 617 ), to recover any actual damages sustained as a result of this negligence and to seek reimbursement for legal fees incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CMRE Financial Services, Inc.
State: AL

Complaint narrative:
I am disputing the collection account reported by CMRE Financial Services , Inc. on my credit report regarding a medical bill from XXXX XXXX XXXX XXXX, on XX/XX/year>. Reference : XXXX This debt is inaccurately reported and is not valid because the medical treatment was related to an injury sustained while on a work XXXX in XXXX  and should be covered under XXXXXXXX XXXX XXXX  Although I provided my insurance at the arrival of the XXXX XXXX, I have been contacted by my employer 's XXXX XXXX XXXX department, and they are actively reviewing the claim and medical bills. 

Under 15 USC 1692e ( 8 ) ( FDCPA ), reporting a debt that is disputed or inaccurate to a credit bureau is a violation of federal law. Under 15 UCS 1681s-2 ( a ) ( 1 ) ( A ) ( FCRA ), furnishers must ensure all information reported is accurate. Since this bill is being investigated under XXXX XXXX XXXX, it should not be reported as a collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: PA

Complaint narrative:
I noticed some serious mistakes on my credit report related to specific accounts that arent being reported accurately. This is directly affecting my credit score and causing unnecessary financial strain.

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 2025-01-31 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: IL

Complaint narrative:
Equifax is very incompetent and seriously needs to be investigated and perhaps fined. I have tried on multiple times to resolve this issue yet they are not helping. I need the CFPB to intervene. They sent me a letter in the mail requesting additional documentation such as a copy of my SSN and utility bill to establish identification which I gladly did. Yet they are still tossing me around left and right. I am appalled by this whole situation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Equifax for failing to conduct a proper investigation into inaccuracies on my credit report. Despite my repeated disputes and submission of supporting documents, Equifax consistently responds within 24 hours stating the accounts are " verified as accurate '' without providing any evidence of a thorough investigation.

This practice directly violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates that credit reporting agencies conduct a reasonable investigation into consumer disputes. Additionally, Equifax 's failure to investigate may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as outlined in the CFPB 's
recent enforcement action ( File No. 2025-CFPB-0002 ) against them for similar violations. 
The following accounts are at issue : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a complaint regarding a creditors failure to update my credit report despite multiple requests. 

According to XXXX and a letter they sent me in XXXX, this creditor has not updated my credit report for over 120 days, from XX/XX/XXXX, to the first week of XX/XX/XXXX. I have made over XXXX requests to have my report updated. I have also disputed the balance and payment status of this credit card with XXXX, XXXX, and TransUnion, but their response has consistently been that the creditor has not provided any updates. 

Furthermore, the creditor has informed me multiple times that they had updated my account. However, when I checked my report on TransUnion, it shows that my account has been closed, which was never communicated to me by the creditor. This action has severely damaged my credit score, and I am unable to rectify it without the correct updates. 

Additionally, I have contacted the creditor multiple times, but they continue to provide false information. They have assured me on several occasions that they would update my records or submit an emergency report, yet no updates have been processed. 

This failure to update my account and the incorrect reporting of a closed account has negatively impacted my credit profile. I request an immediate investigation into this matter and appropriate action to ensure my report reflects accurate and up-to-date information. 

Thank you for your time and assistance. I look forward to your prompt response

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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a complaint regarding a creditors failure to update my credit report despite multiple requests. 

According to Experian and a letter they sent me in XXXX, this creditor has not updated my credit report for over 120 days, from XX/XX/XXXX, to the first week of XX/XX/XXXX. I have made over 10-15 requests to have my report updated. I have also disputed the balance and payment status of this credit card with Experian, XXXX, and XXXX, but their response has consistently been that the creditor has not provided any updates. 

Furthermore, the creditor has informed me multiple times that they had updated my account. However, when I checked my report on XXXX, it shows that my account has been closed, which was never communicated to me by the creditor. This action has severely damaged my credit score, and I am unable to rectify it without the correct updates. 

Additionally, I have contacted the creditor multiple times, but they continue to provide false information. They have assured me on several occasions that they would update my records or submit an emergency report, yet no updates have been processed. 

This failure to update my account and the incorrect reporting of a closed account has negatively impacted my credit profile. I request an immediate investigation into this matter and appropriate action to ensure my report reflects accurate and up-to-date information. 

Thank you for your time and assistance. I look forward to your prompt response

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 2025-01-31 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: CA

Complaint narrative:
Subject : Formal Dispute of Inaccurate Credit Reporting and Demand for Compliance To Whom It May Concern, I am formally disputing the inaccurate reporting of accounts listed on my credit report under 15 U.S.C. 1681s-2, which mandates the accurate and verifiable reporting of consumer information. 

The accounts in question : Account Name : XXXX XXXX XXXX Date Listed : XXXX. XXXX, XXXX  These accounts are erroneously reporting a balance despite being charged off. If these debts were truly written off, continued reporting of a balance is both inaccurate and misleading, violating the Fair Credit Reporting Act ( FCRA ). 

Additionally, under IRS guidelines ( 26 U.S.C. 6050P ), a creditor that cancels a debt exceeding {$600.00} is required to issue a 1099-C form to the borrower and report the cancellation to the IRS. I have not received a 1099-C form for either account, raising concerns about the creditors ' compliance with federal tax laws. Failure to issue a 1099-C form may constitute non-compliance, which I have the right to report to the IRS.

I formally demand the following actions : Provision of the 1099-C Form If these debts were charged off or written off, provide copies of the 1099-C forms for my records.

Verification of the Balance Provide documented proof of the current and accurate balance, along with records of any collection activity.

Permanent Deletion of the Accounts If the debts have been canceled, unverified, or inaccurately reported, I demand immediate removal from my credit report under 15 U.S.C. 1681i ( a ) ( 5 ) of the FCRA.

Failure to comply within 30 days will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Internal Revenue Service ( IRS ) for potential violations of the FCRA ( 15 U.S.C. 1681 ), the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), and IRS tax reporting requirements.

This matter requires immediate resolution. Please respond promptly to avoid further regulatory scrutiny. 

Sincerely, 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 2025-01-31 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: CA

Complaint narrative:
Subject : Formal Dispute of Inaccurate Credit Reporting and Demand for Compliance To Whom It May Concern, I am formally disputing the inaccurate reporting of accounts listed on my credit report under 15 U.S.C. 1681s-2, which mandates the accurate and verifiable reporting of consumer information. 

The accounts in question : Account Name : XXXX XXXX XXXX Date Listed : XXXX. XXXX, XXXX  These accounts are erroneously reporting a balance despite being charged off. If these debts were truly written off, continued reporting of a balance is both inaccurate and misleading, violating the Fair Credit Reporting Act ( FCRA ). 

Additionally, under IRS guidelines ( 26 U.S.C. 6050P ), a creditor that cancels a debt exceeding {$600.00} is required to issue a 1099-C form to the borrower and report the cancellation to the IRS. I have not received a 1099-C form for either account, raising concerns about the creditors ' compliance with federal tax laws. Failure to issue a 1099-C form may constitute non-compliance, which I have the right to report to the IRS.

I formally demand the following actions : Provision of the 1099-C Form If these debts were charged off or written off, provide copies of the 1099-C forms for my records.

Verification of the Balance Provide documented proof of the current and accurate balance, along with records of any collection activity.

Permanent Deletion of the Accounts If the debts have been canceled, unverified, or inaccurately reported, I demand immediate removal from my credit report under 15 U.S.C. 1681i ( a ) ( 5 ) of the FCRA.

Failure to comply within 30 days will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Internal Revenue Service ( IRS ) for potential violations of the FCRA ( 15 U.S.C. 1681 ), the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), and IRS tax reporting requirements.

This matter requires immediate resolution. Please respond promptly to avoid further regulatory scrutiny. 

Sincerely, XXXX XXXX

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

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 proce 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 2025-02-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CW Financial
State: AL

Complaint narrative:
I returned my car after I got it for some issues I volunteer to return back after that company sold it and still asking me for money although I don't have the vehicle

Company response to consumer: Untimely response
Consumer complaint received 2025-02-01 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: MO

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
Consumer complaint received 2025-01-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
The vehicle was a total loss in XXXX of 2024 due to an accident. The insurance paid and I was told that everything was satisfied. I purchased gap insurance at the time I purchased the vehicle and the salesperson assured me that the coverage was in place. I do not owe them any additional money. They were paid off by the insurance company and I should not be held responsible for the dishonesty or poor training of their salespeople. I should not continue to be harmed by having this erroneous information on my credit report. The debt was paid and settled by the insurance company.

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