vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing a complaint against Cashapp ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act. Specifically Cashapp failed to take timely and effective measures to prevent an address fraud on their platform. Leaving my account vulnerable and unprotected. Furthermore the dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund transfer Act and regulation E. These actions have cause significant inconvenience and financial loss and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I came across the CFPB XXXX lawsuit. 
I feel i was negatively impacted by Transunion hurting my chances at credit after receiving a response to my earlier dispute that the accounts were " verified ''. 
But i don't see any details about your investigation. 
A fine will be applied soon if proper investigation is'nt applied too.

Please provide details to investigation or delete accounts.

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 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
These accounts /inquiries listed below were unauthorized on my credit report and I am a victim of identity theft XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-02-04 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: DISCOVER BANK
State: CA

Complaint narrative:
I am a victim of identity theft, and Discover Bank was provided with a police report and an FTC Identity Theft Report in XXXX confirming that the debt in question is fraudulent. Despite this, they continue to report the fraudulent account on my credit report and have pursued a court judgment against me that I was never properly served for in XXXX. 

I only learned about this judgment in XX/XX/XXXX, when Discover attempted to levy my bank account. Under the Fair Credit Reporting Act ( FCRA ) and XXXX  Identity Theft Laws ( XXXX XXXX  ), they are required to remove fraudulent accounts once notified, but they have ignored my legal rights. They had the police report and ignored it. 

I am requesting that the fraudulent judgment and all related accounts be immediately removed from my credit report, and that all collection actions cease. I also request an investigation into Discover Banks refusal to comply with federal and state identity theft laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: DISCOVER BANK
State: IL

Complaint narrative:
DISCOVER CARD ADDED TO MY CREDIT PROFILE WITHOUT MY AUTHORIZATION, A BANKRUPRTY REPORTING TO MY REPORTXXXX XXXX XXXX  CARD THATS NOT AUTHORIZED TO BE ON MY PROFILE. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: CBC Companies, Inc.
State: TN

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: CBC Companies, Inc.
State: AL

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: WI

Complaint narrative:
I am filling a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which village 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, financial loss and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: FL

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account # : XXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, 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 2025-02-04 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I have a Best Buy credit card which is a Citi Bank account. They have a service called XXXX XXXX. I informed the store clerk that I no longer want the service, as their terms of service changed. They assured me upon renewal I would not be charged. Several months later I received a text message from Citi Bank that had a payment due. I had not received any statement indicating that I had made a purchase. Upon calling Citi they informed me I have a charge on my account for the XXXX XXXX service for another year. I call Best Buy customer service, explaining the charges and was informed that because I did not contact them within XX/XX/year> days I would be obligated to pay 20 % of the charge which amounted to about {$45.00}, along with late charges, now owning over {$100.00}. I explained had I received a statement indicating a charge, otherwise I would have timely responded. Needless to say I'm frustated dealing with them and additionally concerned about having my credit dinged. My FICA score is well above 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 2025-02-04 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: 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. 

XXXX XXXX XXXX has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

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

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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. 

XXXX XXXX XXXX has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

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

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) 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 2025-02-04 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: CA

Complaint narrative:
I filed a dispute on { XXXX, XXXX } and { XXXXXXXX XXXX XXXX due to { Being a victim of Identity Theft }. Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( experian ). 
They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! Experian has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting { house, car, etc }. investigation. I recently was notified that CFPB has filed a lawsuit against the company ( experian ). 
They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! Experian has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting { house, car, etc }. Experian violates my rights as a consumer, as well as federal laws.

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 2025-02-04 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:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. The fraudulent, inaccurate, and false information consists of the following personal accounts and collections appearing on my consumer FICO credit report : Account Name : XXXX XXXX Account Number : XXXX Current Balance : {$16000.00} Date Account Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Current Balance : {$10000.00} Date Account Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Current Balance : {$150.00} Date Account Opened : XX/XX/XXXX Account Name : XXXX XXXX  Account Number : XXXX Current Balance : {$2000.00} Date Account Opened : XX/XX/XXXX I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. These items were not opened, made, or initiated by me and are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint # [ private case number ] as proof from the U.S. Federal Trade Commission confirming that all of the aforementioned consumer credit accounts, collections, and hard inquiries are fraudulent. Additionally, I have included a copy of my consumer FICO credit report maintained by you, highlighting the fraudulent items. Pursuant to FCRA 605B, I request that these fraudulent accounts, collections, and hard inquiries be blocked from my consumer credit report within 4 business days of receiving this complaint. Please confirm in writing that these items have been removed or provide a detailed explanation for any refusal to comply. If I do not receive a response within the required timeframe, I will escalate this matter accordingly. 
Thank you for your prompt attention to this urgent matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: CA

Complaint narrative:
I have previously disputed the above referenced account on XX/XX/year>. These items were deleted from the credit file on the subsequent credit report of XX/XX/year>. However, now these items have reappeared on my credit report. 

In accordance with the requirements of the FCRA, I am hereby requesting your complete compliance with any and all of the provisions listed below and permanently remove this item.

FCRA 611, Procedure in case of disputed accuracy { 15 U.S.C. 1681i ] Requirements relating to reinstatement of previously deleted material.

Certification of accuracy of information. If any information is deleted from a consumer & file pursuant to subparagraph ( A }, the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate.

If any information that has been deleted from a consumer & # 39 ; s file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii }, a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date.

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer & # XXXX ; s file disputing the accuracy or completeness of the disputed information. XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have received a total of 3 dispute emails for someone named XXXX XXXX from XXXX. I am not XXXX XXXX, and I have not filed any disputes with Transunion. 

I spoke to Tra sunion representatives last week via phone and chat, and was told to " ignore the email ''. They said the emails are not a scam, and that an agent with Transunion must have entered my email by mistake. I spoke to a supervisor and was told the same thing. After I insisted, she said she would escalate the issue, but I just got another email for XXXX XXXX last night. 

Today, i spoke to the XXXX ( XXXX ) customer service and was told the email was from Transunion and that it was sent in error due to a technical issue. They would not provide any more information on the error or what other information may have been shared. I was assured it would not happen again and to " just ignore the email ''. 

Several hours later, I received another email from XXXX to XXXX XXXX. 

There are several problems here. 

XXXX. A transunion dispute can not be made without an account, so someone has my email on their account. 

XXXX. I am receiving someone else 's credit dispute information. 

XXXX. XXXX XXXX may be getting, or have access to my credit information. 

As I stated in my post, I will be filing a complaint with the CFPB if transunion will not fully explain the reason I am receiving these emails to my address, and also confirm they have fixed the 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 non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Balance {$0.00} ( Original Creditor : XXXX XXXX XXXX XXXX Balance {$280.00} XXXX XX/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