vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Unauthorized/Inaccurate Credit Inquiries Dear Equifax , TransUnion, Experian Dispute Department , I am writing to formally dispute unauthorized or inaccurate inquiries that appear on my credit report. I placed a security freeze on my credit but Upon reviewing my credit report, I noticed the following inquiries that I DID NOT authorize but was added on my credit report by XXXX XXXX : List of Unauthorized Inquiries : New Home Equity Loan as of XXXX According to the Fair Credit Reporting Act ( FCRA ), a company must have my written permission to access my credit report. I did not grant such authorization for the inquiries listed above. Therefore, I request that these inquiries be removed from my credit report immediately. 

Enclosed, I have included a copy of my credit report with the disputed inquiries highlighted, as well as a copy of my drivers license and a utility bill ( or another proof of identity ) for verification purposes. 

Please investigate this matter and remove the unauthorized inquiries from my credit report. I request a written response confirming the results of your investigation. If these inquiries are not removed, please provide documentation proving that I authorized them. 

Thank you for your prompt attention to this matter. I appreciate your cooperation in ensuring the accuracy of my credit report. 

Sincerely, 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 2025-02-08 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Unauthorized/Inaccurate Credit Inquiries Dear Equifax , TransUnion, Experian Dispute Department , I am writing to formally dispute unauthorized or inaccurate inquiries that appear on my credit report. I placed a security freeze on my credit but Upon reviewing my credit report, I noticed the following inquiries that I DID NOT authorize but was added on my credit report by XXXX XXXX : List of Unauthorized Inquiries : New Home Equity Loan as of XXXX According to the Fair Credit Reporting Act ( FCRA ), a company must have my written permission to access my credit report. I did not grant such authorization for the inquiries listed above. Therefore, I request that these inquiries be removed from my credit report immediately. 

Enclosed, I have included a copy of my credit report with the disputed inquiries highlighted, as well as a copy of my drivers license and a utility bill ( or another proof of identity ) for verification purposes. 

Please investigate this matter and remove the unauthorized inquiries from my credit report. I request a written response confirming the results of your investigation. If these inquiries are not removed, please provide documentation proving that I authorized them. 

Thank you for your prompt attention to this matter. I appreciate your cooperation in ensuring the accuracy of my credit report. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: PA

Complaint narrative:
I am writing this letter as a follow-up to my previous dispute submitted on XX/XX/2025. While I acknowledge that some unauthorized hard inquiries have been successfully removed, I am beyond frustrated that one single inquiry remains unresolved. 

This specific inquiry was included in the FTC Identity Theft Report I submitted along with my CFPB complaint. If your agency was able to delete the XXXX other unauthorized inquiries based on the same documentation, there is absolutely no justification for leaving this one behind. I never allowed or gave permission for this inquiryit is just as unauthorized as the others you rightfully removed. Your inconsistency in handling this matter is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
I was given a Vanilla Gift Card a few months ago, and tried spending it online XX/XX/year> and XX/XX/year>. 


Vanilla Gift Cards are mostly unusable for online shopping, contrary to claims on their webpage ( balance.vanillagifts.com/faq ) that " You can use your Vanilla Gift Card anywhere Visa debit cards, Debit, XXXX or XXXX cards are accepted within the XXXX United States and District of Columbia. '' The FAQ says : " In the Billing Address section, please fill in your name and address, '' but if I enter my own address, the card is always declined. I tried using the card on XXXX XXXX, the XXXXXXXX XXXX XXXX XXXX and a couple other online stores where I have used my Visa debit card in the past. I did find one website where these cards function properly, XXXX, which I think is because XXXX doesn't ask for a billing address. 


Many people on XXXX and XXXX have reported similar issues of being unable to use these cards online. I attempted the fixes explained there but nothing I tried worked. I'm glad I eventually got the card to work on XXXX but I also saw people on XXXX saying they gave up on the card entirely and never spent it. Some people also said they couldn't get the card to work for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monarch Recovery Holdings, Inc.
State: MA

Complaint narrative:
DEAR XXXXXXXX XXXX XXXX XXXX I am disputing the alleged debt reported by your company. This account is fraudulent, as I have no prior relationship or contract with either the original creditor or your company. 
This reporting violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). To verify the validity of this claim, I request the following documentation : 1. Proof of authorization to collect under 15 U.S.C. 1692e and 1692f.

2. Legal basis for attempting to collect, including applicable statutes.

3. Proof of authorization to operate in my state.

4. Evidence of the alleged debt, including any contract or agreement bearing my signature.

5. Full account history, including charges, fees, and payments.

Under FDCPA 1692g ( b ), you must provide this validation within 30 days. Failure to do so will result in the account being considered invalid. Non-compliance with FDCPA 1692d, 1692e, and 1692f will be construed as unlawful conduct. 
Moreover, under XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), as I have not acknowledged any debt, I will presume no debt exists if no evidence is provided within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: IN

Complaint narrative:
I am submitting a formal complaint against Equifax for their failure to conduct reasonable investigations into my disputed credit report inaccuracies. Despite my submissions of supporting documentation, Equifax has consistently responded within 24 hours, merely reiterating the account 's accuracy without providing any evidence of a thorough investigation. This practice appears to violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable reinvestigation of disputed items. Furthermore, Equifax 's actions may contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as evidenced by the Consumer Financial Protection Bureau 's ( CFPB ) recent administrative proceeding ( File No. 2025-CFPB-0002 ) against Equifax for similar violations . I respectfully request that the CFPB take appropriate action to compel Equifax to comply with federal law and provide consumers, including myself, with documented proof of genuine reinvestigations. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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 Regulations 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 2025-02-08 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:
THE FOLLOWING INQUIRIES SHOW ON MY CREDIT FILE- ALL ARE ERRONEOUS AND FRAUDULENT. ALL CREDIT BUREAUS DO NOT INVESTIGATE, ALL THEY DO IS SAY THEY ARE " VERFIED '' OR " FACTUAL ''. THE INQUIRIES ARE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NONE OF THESE ARE TIED TO ANY ACCTS I HAVE AND I HAVENT GIVEN ANY INFO TO ANY OF THESE COMPANIES. THIS IS DISPROPORTIONATELY AFFECTING MY CREDIT FILE AND IS A VIOLATION OF MY CONSUMER RIGHTS PER 15 U.S. Code 1681e and 15 U.S. Code 1681i

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 2025-02-08 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 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 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. 
By : Authorized Agent., Private Civilian Without Recourse, Without Prejudice All Rights Reserved

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: MD

Complaint narrative:
***EXPERIAN IS NOT REPLYING AS IT HAS BEEN OVER 90 DAYS ******************************* PROOF OF ORIGINAL DISPUTE INCLUDED VIA USPS TRACKING NUMBER ____________________________________________________________________ _____________________________________________________________________ PLEASE CORRECT LATE PAYMENTS IMMEDIATELY ________________________________________________ ***********************FCRA VIOLATIONS ************************* 1 ) According to the Fair Credit Reporting Act ( FCRA ), the code for reporting false information is 15 U.S. Code 1681s-2 which outlines the responsibilities of data furnishers of information to consumer reporting agencies, stating that a person can not provide information they know or have reasonable cause to believe is inaccurate ; essentially prohibiting the reporting of false information. : : All Inaccuracies And Violations are Highlighted Per Enclosed Credit Report. 2 ) 15 U.S. Code 1666b is a law that governs the timing of payments for open-end consumer credit plans. It requires creditors to mail or deliver statements to consumers at least 21 days before the due date for payment. Creditors must mail or deliver statements to consumers at least 21 days before the due date for payment. : : No Email, Mail, Phone Call, Nor Correspondence Received Via Any Creditor, 21 Days, Prior To Due Dates. XXXX ) The Fair Credit Reporting Act ( FCRA ) requires that credit reporting companies ensure the accuracy of consumer reports. : : All Information Must Be 100 % Accurate, According To FCRA ; As, All Violations And Inaccuracies Are Highlighted Via Enclosed Credit Report. PAID AS AGREED 4 ) The Creditor Must Legally Produce A Bank Statement Proving That The Payment Was Late. : : No Proof Via The Creditor Received. ______________________________________________________________________ ______________________________________________________________________ CREDIT REPORTS MUST BE 100 % ACCURATE / FALSE REPORTING : : : : : : : Account Balances Are Incorrect ; As, Highlighted Errors And Violations Included Via Enclosed Credit Report. 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ) gives consumers the right to dispute inaccurate information on their credit reports. The law requires consumer reporting agencies ( CRAs ) to investigate and correct

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 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
My data was breached and incorrect information was reported from all three credit bureaus Equifax, Trans Union And Experian credit bureau.

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 2025-02-08 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: FL

Complaint narrative:
I have called and sent my information to change my address no change. i will provide my information an upload it. This is crazy!!!!!! TransUnion is reporting nothing correct on my report.

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 2025-02-08 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 recently reviewed a copy of my credit report. i was shocked to learn that i have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. this has been hurting me as I am in the process of buying a house for my family. Please remove the fraudulent accounts from my credit report as soon as possible. 

XXXX ( XXXX ) acct # XXXX {$700.00}

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 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To whom it may concern, I am writing to dispute the following information on my credit report and have the following information removed from my file. The items I need deleted are listed below. I am a victim of identity theft and DID NOT open these accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and have also enclosed copies of the documents supporting my dispute, Federal Trade Commission 's identity theft affidavit. Please delete the items as soon as possible. ACCOUNTS : 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 non-monetary relief
Consumer complaint received 2025-02-08 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:
To whom it may concern, I am writing to dispute the following information on my credit report and have the following information removed from my file. The items I need deleted are listed below. I am a victim of identity theft and DID NOT open these accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and have also enclosed copies of the documents supporting my dispute, Federal Trade Commission 's identity theft affidavit. Please delete the items as soon as possible. ACCOUNTS : XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Experian I have disputed incorrect items and they refused to remove. I have provided supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: MD

Complaint narrative:
I received payments on the Way2Go card in XX/XX/year>. I made several attempts over XXXX weeks to transfer the funds to my account, and each time the funds reversed and went back to the Way2Go card. I contacted Way2Go phone number several times to speak to a representative and it failed, I contacted XXXX  XXXX XXXX who contacted multiple phone numbers and could not speak to a representative. 
I called XXXX ( parent company ) who gave me the specific way to bypass the automated system to speak to a representative. 
Up to this point I have received no communication from Way2Go about my card. 
The representative I spoke with at the end of XXXX, finally told me that my account was marked as Fraud and I needed to verify my identity. I sent a letter from my bank, my drivers license and a bank statement XXXX different times and I received no communication from Way2Go unless I called them because the bank transfer did not go through. Each time, the representative stated the fraud dispute was denied and then I was transferred to be on hold for over 1 hour and nobody answered. 
These people are keeping the child support money for my child and I have no way to get it, I have provided them the information multiple times that they requested and still are not giving me my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: FL

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is ( XXXX ), filed on ( XX/XX/year> ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year> Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request XXXX request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

Company response to consumer: Closed with non-monetary relief