vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-05 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: NC

Complaint narrative:
I have been trying to work with Equifax and TransUnion for over 6 months trying to get them to correct the info and provide correct info but not doing and giving me the run around. I am a XXXX veteran with a VA loan and they do not have my information updated correctly showing I had missed payments even though confirmed by by mortgage company information was incorrect and no late payments over a year delaying my process of getting a home in my home town and not having correct balance even sent proof of payments by my mortgage company which they ignored and gave me a bs conclusion and not resolved

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: OH

Complaint narrative:
This breach has resulted in several unauthorized accounts appearing on my credit report and associated with my Social Security number, which I did not open or authorize. Pursuant to 15 USC 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate blocking and deletion of these fraudulent accounts from my credit report. Per ( 611 of the FCRA ), the Fair Credit Reporting Act ( FCRA ) requires that consumer reporting agencies take steps to ensure consumer reports are accurate and to conduct investigations of information disputed by consumers, which Transunion has failed to do. 

Details of Fraudulent Account : XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

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 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 2025-02-05 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. 1681 c-2 ), that Equifax 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. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report. 

( MORTGAGE ) XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX with a balance of {$41000.00} Account number XXXX ( MORTGAGE ) XXXX XXXX XXXX - Opened XXXX XXXX, XXXX with a balance of {$0.00} account number XXXX ( Installment ) XXXX XXXX XXXX - Opened XX/XX/XXXX with a balance of {$0.00} account number XXXX ( Revolving ) XXXX XXXX XXXX  - Opened XX/XX/XXXX with a balance of {$0.00} account number XXXX ( Installment ) XXXX XXXX - Opened XX/XX/XXXX with a balance of {$22000.00} account number XXXX ( Open account ) XXXX XXXX XXXX - Opened XX/XX/XXXX with a balance of {$680.00} account number XXXX The following addresses I do not recognize as reported and should be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following inquiries are related to Identity theft which I do not recognize as reported and should not be reported : XXXX XXXX  - Inquired on XX/XX/XXXX XXXXXXXX XXXX  - Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  - Inquired on XX/XX/XXXX XXXX XXXX XXXX  XXXX - Inquired on XX/XX/XXXX XXXX XXXX XXXX  XXXX - Inquired on XX/XX/XXXX XXXX XXXX XXXX  XXXX - Inquired on XX/XX/XXXX XXXX XXXX XXXX  XXXX - Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX - Inquired on XX/XX/XXXX XXXX XXXX XXXX  - Inquired on XX/XX/XXXX XXXX XXXX XXXX  - Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX - Inquired on XX/XX/XXXX XXXX XXXX  XXXX - Inquired on XX/XX/XXXX All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint # XXXX, # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
My brother deposited my check into his account with my authorization they wanted to verify me but they kept saying my phone number wasnt verifiable since it wasnt showing my name on their end, now they closed my brother 's account and my check money is in suspence and held by them and the payer of my check said the check has been cleared they have refused to take my ID at the local branch and dont want to give me any solution and that they can hold the funds up to 2 years

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CAINE & WEINER COMPANY, INC.
State: NJ

Complaint narrative:
I am writing to formally notify you that your attempts to collect on the alleged debt acct # XXXX in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 16921692p. As you may not be aware, this claim is governed by an arbitration agreement with progressive, which clearly stipulates that " any dispute must be resolved through arbitration due to the binding agreement. '' To date, no arbitration proceedings have been initiated. As a direct result of that this constitutes a material breach of the original agreement, which was acknowledged by all parties involved. As such, I assert that you have no legal right to continue collection efforts on this debt, please cease and desist 15 usc 1692c also remind you of the legal precedent set in XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX ), which held that reporting a debt to credit reporting agencies constitutes a form of communication under the FDCPA. Any continued reporting of this alleged debt to credit bureaus without proper validation will be considered a violation of the FDCPA. Additionally, I understand that this alleged debt was likely purchased for pennies on the dollar. Given these circumstances, I am extending you an opportunity to resolve this matter amicably. Arbitration, as stipulated in the agreement, is not a trivial matter. The cost of arbitration can be significant, and I believe it would be in your companys best interest to avoid the expense and time involved. Below is an itemized list of typical costs associated with arbitration : Filing Fees : The cost of filing for arbitration can range from {$200.00} to {$1500.00}, depending on the arbitration provider and the amount in dispute. Arbitrator Fees : These fees can range from {$500.00} to {$2500.00} per day, with multiple days of hearings often required. Legal Fees : Each party is responsible for their own legal costs, which can easily exceed {$5000.00} in many cases. Other Administrative Costs : This includes fees for document handling, hearings, and other necessary procedures, which can add up to an additional {$1000.00} {$3000.00}. As you can see, the total cost of arbitration could easily exceed {$10000.00}, not to mention the potential for additional legal expenses. Thank you for your prompt attention to this matter. I look forward to resolving this issue swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I got a notification that a hard inquiry was made on my XXXX credit report on XX/XX/XXXX XXXX.I called them and reported that it wasn't me. It was with Barclays Bank. I had all my credit accounts frozen and have called both Barclays Bank and XXXX several times and its still there. Now XXXX says after 3 months of calls back and forth that I have to report to you and make a written request to have it taken off.

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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: FactorTrust, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Date : XX/XX/year> To : FactorTrust , Inc. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request to Update Public Records with Phone Number Dear FactorTrust Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Thank you for your attention to this matter. Please feel free to contact me at XXXX or via email at XXXX if you have any questions or need further information. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: AZ

Complaint narrative:
I have reported being a victim of identity theft, and you are required to remove any items that was opened without my knowledge, consent, or authorization within 4 business days. This must be done upon receipt of the following : ( 1 ) proper proof of my identity, ( 2 ) a copy of my identity theft report, ( 3 ) my identification of the fraudulent information, and ( 4 ) my statement confirming that the information does not relate to any transaction I conducted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: FL

Complaint narrative:
I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and doe not reflect my true credit history. 

TransUnion Consumer Solutions XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX acct number XXXX acct number 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 2025-02-05 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:
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 online without my knowledge. It is stressing me out and making me XXXX. Hope you can address this soon, please.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
My brother and I deposited his check into my checking account and they're holding the funds until they can do a phone verification that shows his name and my brothers phone number isn't showing up they say, so now they say my account is being closed and his funds held up to two years, ive requested any other way to verify his idenity such as walking together to a branch, him calling the bank and send his ID documents, hold harmless letter or the statement from his phone carrier but they have refused and said the only way is through phone veification but that his name isn't showing on there end

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: NV

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: NV

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-02-05 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: NY

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, 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 Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 

The 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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to follow up on my previous correspondence dated XXXX XXXX XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes. 

I kindly request the following : 1.Immediate removal of the erroneous address from my credit report.

2.An updated credit report reflecting the corrected information.

3.Written confirmation of the actions taken to resolve this dispute. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX 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 2025-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank , N.A . and their attorneys XXXX XXXX XXXX XXXX XXXX are trying to sue me without proper evidence that this debt belongs to me. No signature, nothing that identifies that I own this debt. They have falsified court documents claiming that they served me a notice, which they never did. The date that they stated that I was served, I was not in the state.

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 2025-02-05 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: GA

Complaint narrative:
Ive disputed this multiple times ( XXXX XXXX ) and they have not fixed the issues. The reporting is incorrect therefore it should be deleted of my credit report. It has not been late and it was paid In full!

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 2025-02-05 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: CA

Complaint narrative:
Trans union and Experian failed to look into my improper credit reporting when I requested them to. They also didnt request or provide documentation from the companies that inquired my credit report for authorization.

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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: ID Analytics, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Subject : Request to Update Public Records with Phone Number Dear XXXX  Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation