vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: SC

Complaint narrative:
I receive social security XXXX payments through direct deposit every month for around 10 months now at Cash app. I have used cash out since 2019. When I received my payment at the beginning of XXXX around XX/XX/XXXX I saw the payment there and then my phone had to be replaced. When I came back online to view my balance pay my bills etc the account said it no longer existed or can not be recovered. Meanwhile there's {$1600.00} there cash app has advised me to set up a new account for them to transfer the money, verify my identity so I went and got a new state ID and send it in to verify, they asked me to link a bank I have linked to bank to the new account I've done everything they asked and they are still refusing to release my money to me after receiving the same amount every month, and being with them all these years. I'm not sure why my account was even closed I believe my paycheck should be transferred or released to me I verify everything they asked when I call but at this point I've lived out of my car for over a week now I have congestive XXXX XXXX an amputated leg that was just cut off in XXXX of last year and I have several medications I need to pick up. At this point I can't eat I can't take my medicine I'm in a lot of trouble here and I keep begging and begging them to give me my money it's an emergency I'm not sure what's matching not matching oh what their problem is I've offered to send my birth certificate my social security card everything to these people and they will not release my money I've done everything for them everything they would tell me to do now they just tell me unfortunately due to security reasons we're not able to transfer your money how can they do that please help me get my money I'm just an old lady I need help really bad and I have no one to help me and now I haven't had any money since the first of XXXX is sitting right at all how can they just keep my money?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally file a complaint against your agency due to your failure to adequately respond to my previous credit dispute ( XXXX ) and provide a reasonable resolution as required under the Fair Credit Reporting Act ( FCRA ). 

I have submitted all necessary documentation supporting my claims, including written disputes and identification, yet your agency has either failed to respond within the legally mandated timeframe or did not make any meaningful attempt to investigate or remove the inaccurate items from my credit report. 

This neglect has caused significant harm to my creditworthiness, and I consider it a violation of my consumer rights under federal law. I demand immediate action, including a full reinvestigation of all disputed accounts and inquiries, removal of unverifiable or inaccurate items, and written confirmation of the results.

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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to formally file a complaint against your agency due to your failure to adequately respond to my previous credit dispute ( XXXX ) and provide a reasonable resolution as required under the Fair Credit Reporting Act ( FCRA ). 

I have submitted all necessary documentation supporting my claims, including written disputes and identification, yet your agency has either failed to respond within the legally mandated timeframe or did not make any meaningful attempt to investigate or remove the inaccurate items from my credit report. 

This neglect has caused significant harm to my creditworthiness, and I consider it a violation of my consumer rights under federal law. I demand immediate action, including a full reinvestigation of all disputed accounts and inquiries, removal of unverifiable or inaccurate items, and written confirmation of the results.

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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: GA

Complaint narrative:
Description of the issue : I am filing a complaint regarding XXXX unauthorized hard inquiries that appeared on my credit report on XX/XX/year>. 

The first was initiated by XXXX XXXX. While I do have an active account with XXXX XXXX, I did not apply for any new credit or request any service that would justify a credit inquiry. 

The second inquiry was reported by Discover. I have no active relationship with Discover and did not initiate any application or credit-related activity with them.

I am concerned that these inquiries may have been made in error or potentially fraudulently. I did not authorize either party to access my credit report, and I am requesting an immediate investigation into these inquiries.

Resolution requested : I request the removal of both unauthorized credit inquiries from my credit report and a formal explanation from both XXXX XXXX and Discover regarding the nature and purpose of the inquiries. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
b'I received a copy of my credit report and found the following item(s) to be in error:\n\nThe status is incorrect for the following accounts\nAMEX \nAccount Number: XXXX XXXX XXXX\nPlease investigate and delete from my credit report\n\nThe inquiry was not authorized \nXXXX \nDate of inquiry: XXXX XXXX XXXX\nPlease investigate and delete from my credit report \n\nThe inquiry was not authorized \nXXXX \nDate of inquiry: XXXX XXXX XXXX\nPlease investigate and delete from my credit report \n\nThe inquiry was not authorized \nXXXX XXXX \nDate of inquiry: XXXX XXXX XXXX\nPlease investigate and delete from my credit report'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: GA

Complaint narrative:
Dear Sir/Madam : I am writing you about the compromising of my social security number due to the Equifax Data breach . I believe I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX I also included a signed and notarized copy of my Affidavit of Facts and Truth. The information listed below, which appears on my credit report, does not relate to any transactions that I have ever made or accounts I have opened. It is the result of identity theft. 
1. 
Bankruptcy XXXX  XXXX-dismissed Case Number : XXXX XXXX. 
DEPT OF ED/XXXX  Account Number : XXXX 3. 
DEPT OF ED/XXXX  Account Number : XXXX 4. Identity Theft DEPT OF ED/XXXX  Account Number : XXXX 5. 
DEPT OF ED/XXXX  Account Number : XXXX 6. 
DEPT OF ED/XXXX  Account Number : XXXX 7. 
DEPT OF ED/XXXX Account Number : XXXX 8. 
DEPT OF ED/XXXX  Account Number : XXXX 9. 
DEPT OF ED/XXXX  Account Number : XXXX 10. 
DEPT OF ED/XXXX  Account Number : XXXX 11. 
XXXX SELFREPORTED Account Number : XXXX 12. 
XXXX. XXXX, XXXX Account Number : XXXX 13. 
XXXX XXXX XXXX Account Number : XXXX 14. 
XXXX. XXXX, XXXX Account Number : XXXX 15. 
XXXX. XXXX, XXXX Account Number : XXXX 16. The inquiry was not authorized XXXX XXXX  XXXX  Date of inquiry : XX/XX/year> 17. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> 18. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/year> 19. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/year> 20. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/year> 21. The inquiry was not authorized XXXX XXXX  XXXX Date of inquiry : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Opportunity Financial, LLC
State: AR

Complaint narrative:
I got approved for a {$1500.00} dollar loan back in XXXX XXXX XXXX and closed XXXXXXXX XXXX XXXX. The loan was from XXXXOpploans. I paid the loan off in full on XX/XX/XXXX in the amount of {$1600.00}. I reached out to the company, Opploans on several occasions, asking them to report the correct payment history on my credit report and they said it was nothing they could do. They told me to call XXXX and dispute it with them and I did and my report is still showing inaccurate information. So I called XXXX  today which is XX/XX/XXXX and the agent that I spoke with told me to go online and file a complaint with the CFPB and that's what I'm doing now. I need my information corrected or disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: MO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-14 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: GA

Complaint narrative:
SEE NOTES AND ATTACHMENTS According to 15 U.S Code Section 1681s-2 ( a ) It is illegal to report inaccurate information on my credit report. How is it possible to open the same account on two different days. This is an inaccurate report. Also, the past due dates are showing different reports. The account numbers are also different. Where did you receive these inaccurate reports? Please delete these inaccurate reports immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Provided paid to delete letter from the reporting agencies and requested for XXXX account to be deleted. 

XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # 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 2025-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Past statue of limitations, repeated calling of myself and family members after requesting a cease and desist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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 kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: IL

Complaint narrative:
Dear Sir or Madam : I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I'm writing to formally dispute an account that has been incorrectly reported under my credit file. This account does not belong to me and appears to be mixed in with my personal credit information. Its critical to understand that this is someone elses account entirely, and its presence on my report is both inaccurate and unacceptable.

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 2025-05-14 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: TN

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$00.00} INQUIRIES : XXXX 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
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The bureaus have informed me that they received my information and dispute letter, but refused to investigate further, claiming I used a credit repair company. Ive been repeatedly dismissed by the bureaus for months, and its becoming extremely frustrating. 
As a consumer, my rights are being violated, and Im left wondering how Im supposed to defend myself when the same issue keeps happening over and over.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The bureaus have informed me that they received my information and dispute letter, but refused to investigate further, claiming I used a credit repair company. Ive been repeatedly dismissed by the bureaus for months, and its becoming extremely frustrating. 
As a consumer, my rights are being violated, and Im left wondering how Im supposed to defend myself when the same issue keeps happening over and over.

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 2025-05-14 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 writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: NC

Complaint narrative:
Personal Statement I am a victim of identity theft, there are several accounts on my 3 credit reporting agencies that I didnt authorize or give anyone permission to open these fraudulent accounts. This has really affected my ability to move and or gain a good job to support my family with. XXXXXXXX XXXX  account number XXXX, XXXX XXXX XXXX  account number XXXX, XXXX XXXX account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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:
Personal Statement I am a victim of identity theft, there are several accounts on my 3 credit reporting agencies that I didnt authorize or give anyone permission to open these fraudulent accounts. This has really affected my ability to move and or gain a good job to support my family with. XXXXXXXX XXXX  account number XXXX, XXXX XXXX XXXX  account number XXXX, XXXX XXXX account 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 explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
b'Dear CFPB,\n\nI am filing a complaint against Truist Bank regarding a dispute I submitted for an unauthorized or improper charge on my credit card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX). The dispute reference number is XXXX (Claim open Date XXXX XXXX and end of the claim is XXXX XXXXTruist decided the dispute in favor of the merchant, but I strongly disagree with their resolution. I requested supporting documentation and evidence from the merchant, as I am entitled to under the Fair Credit Billing Act. However, Truist has failed to provide me with any documents, emails, or proof to support the decision they made.\n\nI believe their investigation was incomplete and biased, and I was not given a fair opportunity to review or respond to any evidence. I am requesting that the CFPB help me obtain a proper explanation and any related documentation from Truist regarding how they reached this decisionXXXXPlease assist me in reopening or reevaluating this case. I believe my rights as a consumer were not properly upheld.XXXXThank you for your help.\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 2025-05-14 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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