vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: NV

Complaint narrative:
Subject : Urgent Dispute of Fraudulent Account Immediate Action Required Dear Sir/Madam, I am writing to formally dispute a fraudulent account that has been opened in my name with your company. I have discovered this fraudulent activity, and I demand immediate action on your part to resolve this matter. 

The account in question is DISCOVER BANK account number : XXXX with a balance amounting {$8700.00} and opened dated : XX/XX/year>, and I have no knowledge or involvement in the creation or usage of this account. This account was opened without my authorization, and I consider this to be a clear case of identity theft. 

I insist that you take the following actions immediately : Close the fraudulent account and permanently remove any associated charges. 
Provide written confirmation that the account has been closed and all charges removed. 
Cease any further collection efforts related to this fraudulent account. 
Provide a detailed investigation report of how this fraudulent account was opened and why proper verification processes failed. 
Notify all credit bureaus of the fraudulent nature of this account and ensure that no negative marks are placed on my credit report. 
I expect you to take swift and decisive action. This fraudulent activity has already caused significant distress, and I will not hesitate to pursue legal action should you fail to resolve this matter within 15 days

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: TN

Complaint narrative:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-03-12 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: TX

Complaint narrative:
" I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent.

You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: MD

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 non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: NM

Complaint narrative:
I deposited XXXX dollar check I believe XX/XX/year>. on XX/XX/year> in the early morning I checked my account ad it was XXXX. Later I went to make a purchase, and my card was turned off and I had no access to my online banking. I tried to call the XXXX number and they refused to give me info saying I have a passcode. I've gone to the branch before who have told me I don't have this. So, to start- I couldn't find out anything last night. I went to the bank this morning, discussed with the teller, then got on the phone with the fraud company who straight out accused me of deliberately depositing what I guess they think is a fraudulent check. This check was given to me from my father-in-law and this is the third check he has written me in the last 5 months, Whoever was on the phone was extremely ruse demanding to know where I got it, how I know the person, why did I get that much money, and so many other ridiculous private questions. AND NOW- they tell me my account is frozen for up to 14 days while they investigate and I have no access to any money at this time. THis is my primary account that all my money goes into. I get paid weekly. They are saying they will freeze it all. First of all- WHAT THE HECK? How can they do tis? IF the check was no good why couldnt they say that and return it like every other time in the past? Why wasnt I notified or asked a questions and now all I can do is wait until they finish the investigation. PLEase help!!!! SIngle mom here and this will cause me to lose my rent/apartment. This cant be legal.

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 2025-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
I Am Filing the complaint Against Cashapp ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: AZ

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 XXXX 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 non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AMERICAN HONDA FINANCE CORP
State: NC

Complaint narrative:
Urgent Assistance Required Regarding Safety Issues with XXXX Honda XXXX XXXX American Honda, I am reaching out to seek assistance regarding persistent safety issues with my XXXX Honda XXXX XXXX XXXX ( XXXX : XXXX ) purchased brand new in XXXX XXXX XXXX The vehicle currently has XXXX XXXX on it and remains under the manufacturers warranty. Since purchasing the vehicle, first maintenance performed on XX/XX/XXXX at local dealership XXXX Honda XXXX XXXX I have experienced recurring issues with the braking and steering wheel locking sensor. Issues was reported to Honda and sent for diagnosis check on dates of service XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX. Contact Honda expressing my concerns about my safety. I was informed by the dealership that there is only one recall associated with my vehicle not associated to the braking system and steering wheel locking,. I was also told that there was nothing they could do because there was no code showing. 
On XX/XX/XXXX, My breaking and steering wheel sensor light continue once again this time locking my steering wheel and causing my vehicle to side swipe a bridge. I sustained minor injuries, including whiplash to my shoulder and neck, and experienced trauma-related injuries from the incident. Police report made and was instructed by fire chief not to drive the vehicle. 
My vehicle has been out of commission since the incident on XX/XX/XXXX, I'm currently making monthly payments for a vehicle that I do not have. 
My auto insurance claims adjuster and appraiser XXXX XXXXXXXX XXXX XXXX XXXX appraised my car and fix the damages that occurred without notifying, American Honda corporation, basically tempering with evidence and was told by American Honda that XXXX knows the protocol when it comes to malfunction issues and that they should have contacted them first before fixing the car. Referring that my insurance company act in bad faith. 

My vehicle is currently at a Honda dealership with other issues. I have not been contacted by neither party. My insurance company nor American Honda corporation. And still have no vehicle since the incident of XX/XX/XXXX. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: EdFinancial Services
State: SC

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts resolved. The CFPB has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed accounts, as XXXX inaction violates Federal Law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: NJ

Complaint narrative:
I am writing to formally dispute the claim made against me under Article 1681-O of the Civil Code, which alleges civil liability based on negligence and non-compliance. Upon careful review of the facts surrounding this matter, I do not believe that the claim of negligence or non-compliance is substantiated, and I respectfully request that the issue be revisited. I maintain that I acted within the legal and professional obligations expected of me. have written request for to Experian and Equifax for reinvestigation of inaccuracy and negative items on report for XXXX XXXX XXXX XXXXXXXX and XXXX XXXX. Have submitted evidence of information involved in data breaches from XXXX.Therefore, the claim of negligence lacks the necessary foundation of evidence that would establish a breach of duty. In light of the above, I respectfully request that the claim be reviewed and dismissed, as I believe it is unfounded.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: KY

Complaint narrative:
Money was unauthorized transfered from my bank account, through linked access, cash app, by using XXXX XXXX. Transfers made by using numbers from card and directing it through this person 's name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: NJ

Complaint narrative:
I am filing a formal complaint regarding multiple Fair Credit Reporting Act ( FCRA ) violations by Experian. Despite providing proper evidence of identity theft and disputing fraudulent accounts through the CFPB, Experian has failed to correct my credit report. 

Details of the Issues : XXXX. XXXX XXXX was reinserted into my credit report without proper notification, despite my identity theft documentation. XXXX has already blocked this account through the CFPB, yet it continues to appear on my report. 
XXXX XXXX XXXX is reporting three accounts that were sold to XXXX XXXX XXXX XXXX confirmed these accounts were blocked and deleted as of XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX continues to negatively report them. 
3. I have submitted multiple disputes and supporting documents through the CFPB and also mailed physical copies, yet Experian has failed to properly investigate and correct my report. 

Requested Compensation : {$1000.00} per violation for the unauthorized reinsertion of XXXX XXXX. 
{$1000.00} per violation for XXXX blocking ignored and failure to remove the account. 
{$1000.00} per violation for XXXXXXXX XXXX reporting deleted accounts despite confirmation from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 
{$1000.00} per violation for Experians failure to investigate disputes properly. 

Total Compensation Requested : {$6000.00}. 

Experians failure to remove fraudulent and deleted accounts has negatively impacted my financial standing. I request immediate removal of these accounts and financial compensation for these violations. If Experian fails to comply, I will escalate this case to the FTC, my State Attorney General, and consider legal action under the FCRA.

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 2025-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MS

Complaint narrative:
I am filling a complaint against Cash App ( Block , Inc. ) and XXXX  due to inadequate customer service and unfair practices, which violate the Customer Financial Protection Act ( CFPA ). Specifically Cash App and XXXX failed to take timely and effective measures to prevent and address fraud on their platforms, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: MO

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 

These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in : a similar manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief