vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-26 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: MI

Complaint narrative:
**COMPLAINT TO THE CONSUMER FINANCIAL PROTECTION BUREAU XXXX CFPB ) * [ Date ] XX/XX/year> Complaint Against U.S. Bank for Unlawfully Freezing Government Benefit Account and Imposing Excessive Unfreezing Requirements Dear CFPB, I am filing a formal complaint against U.S. Bank for freezing my government benefit account without explanation and creating undue barriers to restoring access to my funds. This complaint alleges violations of federal consumer protection laws, including the **Electronic Fund Transfer Act ( EFTA ) **, **Regulation E**, and the **Consumer Financial Protection Act ( CFPA ) **.

-- - # # # **1. Description of the Issue** On [ XX/XX/year> ], U.S. Bank froze my government benefit card, which is used to receive Unemployment benefits. No prior notice or explanation was provided for the freeze. Despite repeated attempts to resolve this issue via phone, U.S. Bank has : - **Failed to disclose the reason** for the freeze. 

- **Imposed excessive and unattainable ( immediate ) steps** to unfreeze the account, such as, " requiring in-person verification at a distant branch, '' " demanding unreasonable documentation, '' ( I recently became homeless, without access to any of the required documents. To replace the documents would cost money which, now, XXXX cant access either because of this unlawful freeze. - Also XXXX Bank failed to provide accessible alternatives ''. 
- **Caused severe financial hardship**, depriving me of critical funds needed for housing, medical care, food, and much more.

-- - # # # **2. Violations of Federal Consumer Protections** U.S. Banks actions violate the following laws : **a. Electronic Fund Transfer Act ( EFTA ) & Regulation E** - ** 1005.8 ( c ) : ** Requires institutions to notify consumers of account changes, including restrictions, **prior to implementation** or promptly after. No such notice was provided.

- ** 1005.11 : ** Mandates prompt investigation and resolution of reported errors ( including unauthorized holds ). U.S. Bank has not acknowledged or resolved my dispute.

- ** 1005.7 : ** Obligates institutions to provide clear procedures for error reporting. The steps imposed to unfreeze my account are unreasonably burdensome.

**b. Consumer Financial Protection Act ( CFPA ) & UDAAP** - U.S. Banks conduct constitutes **Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) **. Freezing an account without justification and imposing inaccessible resolution steps unfairly harms consumers and obstructs access to legally entitled funds.

**c. Right to Access Government Benefits** Federal protections ensure uninterrupted access to government benefits. By freezing the account without cause, U.S. Bank has unlawfully interfered with my ability to meet basic needs.

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 2025-02-26 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: MN

Complaint narrative:
Subject : Notice of Dispute Pursuant to Arbitration Agreement and Demand for settlement To Whom It May Concern NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by Equifax. I assert that Equifax is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX I am fully aware of the financial implications associated with the initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of XXXX $ to compensate for the mental distress, XXXX, emotional distress, and financial hardships that your actions have caused me. Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. I was to emphasize that the costs associated with the initiation arbitration proceedings, including filing fees, arbitration deposits, and any legal costs throughout the arbitration process, will be significant. As per the arbitration procedures outlines in the XXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. 

Failure to comply with my demands will result in the initiation of arbitration proceedings. I will remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. 

I expect a prompt response within 15 DAYS confirming your acceptance of my settlement terms and detailing steps you take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with the arbitration without further notice. 

Please send all correspondence related to this matter to the address listed above.

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 2025-02-26 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: MD

Complaint narrative:
please update/validate these item that i request to from the past months and still reporting on wrong on my report, i already comply all the needed detail

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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: FL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: PA

Complaint narrative:
This is in response to dunning letter sent referencing account number XXXX. 

SOURCE RECIEVABLES MANAGEMENT is attempting to collect an alleged debt not owed by me the consumer. I have no knowledge of this debt. Please provide me with the original contract bearing my wet ink signature, forward flow assignment, and chain of assignment. If you can not provide this information within XXXX days, I am requesting that you cease and desist the collection of this alleged debt and all communication with me. I'm enforcing my rights under the FDCPA, FCEUA, UTPCPL, and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: TX

Complaint narrative:
I disputed multiple negative credit mark on my Experian Credit Report. They always say that it was investigated and proved to be correct. When I requested to see all original paperwork which included my signature and ID they never provided it. My other XXXX credit scores or near XXXX but Experian has it at XXXX which is impossible because the other XXXX agencies removed the same accounts due to them not being able to validate them. Then I tried to lock my Experian report and they told me I had to pay for it.

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 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Complainant XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Complaint Against Equifax , Experian, and TransUnion for Inaccurate Reporting of Santander Account as Charged-Off To the Consumer Financial Protection Bureau , I am filing a formal complaint against Equifax, Experian , and TransUnion for the continued inaccurate reporting of my Santander account ( Account Number : XXXX ). These credit bureaus have misrepresented the status of my account, incorrectly listing it as charged-off despite clear documentation proving it has been current and paid on time for an extended period. 
Details of the Issue : XXXX. Inaccurate Charge-Off Status My Santander account is being wrongfully reported as charged-off, which does not accurately reflect my payment history.

2. Failure to Update Reporting I have maintained consistent, on-time payments for a significant period, yet the credit bureaus have not updated the account status to reflect its true standing. 
XXXX. Violation of Federal Law Under the Fair Credit Reporting Act ( FCRA ) 1681e ( b ) and 1681i, credit bureaus are required to ensure accurate and up-to-date reporting, yet this incorrect charge-off and past-due status remain on my report despite clear evidence to the contrary.

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 2025-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
Midland Credit Management is threatening to sue me for a debt that does not belong to me. I have disputed this debt with all credit beaurus and I have contacted Midland Credit Management directly to let them know this account was sold illegally. They just continue to harass me & make threats with attorneys causing me to develop anxiety. I need them to stop the threats and update their information as needed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: CO

Complaint narrative:
Hello, this accounts transaction and charges are fraudulent. I never benefited from any of these transactions, but rather it did a lot of damage to me. I need these fraudulent transactions to be removed from my credit report ASAP in order to prevent further fraudulent activity of my information. Thank you and have a good dayXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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: AZ

Complaint narrative:
I can not believe that I am still dealing with errors on my report that should have been corrected long ago. These inaccuracies are damaging my financial health, limiting my opportunities, and making it incredibly difficult for me to move forward. It is absolutely unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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: FL

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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: CO

Complaint narrative:
I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.

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 2025-02-26 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:
I am victim of identity theft. There are several accounts on my 3 credit reports that I didnt give permission or authorization to open these 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 2025-02-26 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: NC

Complaint narrative:
I am victim of identity theft. There are several accounts on my 3 credit reports that I didnt give permission or authorization to open these 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 non-monetary relief
Consumer complaint received 2025-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing a complaint against XXXX XXXX, the owner of Cash App, regarding unauthorized XXXX  transactions on my account. While reviewing my back taxes, I discovered multiple years of buying, selling, and trading activity conducted through the app. The amounts involved were not significant enough for me to notice at the time, and I can confirm that I did not engage in any of these transactions. I also came across news reports indicating that this has been an ongoing issue, which prompted me to report the misuse of my account. I request that my account be thoroughly investigated, as I have received 1099 forms for transactions I did not authorize or make.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ). The items listed below, include Credit cards accounts, inquiries and late fees, were reported without my authorization and were opened and used fraudulently in my name. 
To the credit Bureau, Equifax, Experian, and Transition. 

Dispute of inaccurate Credit cards, Inquiries and late charges the dates in question ranged from XXXX thru XXXX XXXX XXXX Credit cards... XXXX. These cards were used in my name. 

XXXX XXXX XXXX Credit card # XXXX XXXX XXXX. Credit card # XXXX I request that these fraudulent items be removed from my credit file. Please remove these accounts immediately.

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 2025-02-26 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:
This morning, I discovered incorrect accounts on my credit report, and I have no clue how they got there. I routinely check my report, but this time, I noticed unexpected discrepancies. Hoping it was just a temporary glitch, I refreshed my browser, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted to ensure I never have to deal with this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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: CO

Complaint narrative:
Please know that the transactions on this account and its respective charges are all fraudulent. I never benefited from any of them, but rather it did a lot of damage to me. I wish to prevent further harm and fraud to my personal information so please, remove all these fraudulent transactions and account from my credit report. Please. Thank you.

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 2025-02-26 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: CA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 Us. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting ag

ency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatmen
t of inaccurate or unverifiable information ( A ) In general if, 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- ( ipromptly 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. 

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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: CA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 Us. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting ag

ency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatmen
t of inaccurate or unverifiable information ( A ) In general if, 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- ( ipromptly 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. 

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief