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

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 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

List of Unauthorized Inquiries : XXXX - XXXX XXXX MI - 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 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX. I noticed XXXX fraudulent accounts on my credit report. XXXX from XXXX  XXXX, account number XXXX with charges of {$XXXX}, and another fraudulent accounts from, XXXX XXXX, account number XXXX with charges of {$XXXX}. These accounts were not authorized by and and are fraudulent. I will be filing a lawsuit. I fill out a FTC report for identity and sent the paper work to said company, TransUnion, which had reported the fraudulent account on my credit report to take it 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 non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
My name is XXXX XXXX. I noticed XXXX fraudulent accounts on my credit report. XXXX from XXXX  XXXX, account number XXXX with charges of {$XXXX}, and another fraudulent accounts from, XXXX XXXX, account number XXXX with charges of {$XXXX}. These accounts were not authorized by and and are fraudulent. I will be filing a lawsuit. I fill out a FTC report for identity and sent the paper work to said company, XXXX, which had reported the fraudulent account on my credit report to take it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am a victim of identity theft and there are several inaccurate accounts not opened by me or authorized that need to be removed from all XXXX credit bureaus

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally file a complaint against Equifax for their ongoing failure to properly investigate disputes regarding inaccuracies on my credit report. Despite submitting multiple dispute requests to Equifax, their responses have been consistently inadequate and do not comply with the requirements set forth under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates that consumer reporting agencies conduct reasonable investigations of disputes.

The inaccuracies on my credit report have persisted despite my best efforts to resolve the issues directly with Equifax. In each instance, Equifax has responded within XXXX hours, asserting that the accounts in question are accurate. However, they have not provided any supporting evidence of a thorough investigation or verification of the disputed information, which is a direct violation of my rights as outlined in the FCRA. This lack of due diligence undermines the integrity of the credit reporting process and harms consumers like myself. 

I would also like to highlight that Equifaxs actions may be in violation of the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( XXXX ) ( A ) - ( B ), as XXXX practices appear to be unlawful and abusive in nature, as indicated in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations.

Given the persistent failure to investigate my disputes in a reasonable and legal manner, I am requesting that the CFPB take appropriate action to ensure that Equifax complies with federal laws, including both the FCRA and CFPA. Specifically, I am requesting that Equifax be held accountable for their failure to conduct proper investigations and provide consumers with the necessary documentation to prove their findings. 

These Accounts below are inaccurate Account XXXX : XXXX Account XXXX Account XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my credit 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 explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my credit 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 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Complaint against PayPal : XXXX XXXX XXXX and XXXX PayPal XXXX XXXX XXXX XXXX. 
XXXX XXXX, XXXX  XXXX RE : Your PayPal case : XXXX case denied I have been trying to resolve a dispute with your fraud department for a couple of weeks now. Their go to answer seems to be NO despite this being a clear case of fraud which XXXX protected against by XXXX. I am writing to ask for your assistance in appealing the above denial. The fraudulent transaction was processed despite the fraud being reported, the card being closed due to fraud, and assurances from the PayPal team that no further transactions would be processed. Heres the timeline : XX/XX/year> : I was on the XXXX website and clicked on a link that was reputed to be from XXXX. Unfortunately, the link was fraudulent. I used this link to provide XXXX with debit card information so that I could complete a sale of my goods. The link required me to provide the account balance and I verified that the balance was $ XXXX. The information I received stated that they would perform a transaction for a small amount to verify my account and then the transaction would be reversed. Unfortunately, this information was all fraudulent and I was not dealing with a XXXX representation. When I realized that the link was likely fraudulent, I called PayPal immediately. I did not purchase anything or receive anything. 

XX/XX/year> I reported the fraudulent transaction of {$XXXX}, this transaction was stopped and my debit card was closed. I was assured that no further transactions would be approved. This transaction was denied as requested. 

XX/XX/year> A new transaction from the same fraudulent party, in the amount of {$XXXX}, was approved and deducted from my account. How can that be? The debit card was closed. 

As a PayPal customer of over XXXX  years I am disappointed by the treatment that I have received. In addition to that, as a long-time Credit Union XXXX XXXX I know that it is not my responsibility to absorb the cost of this fraudulent transaction. While I have never had to report a fraudulent transaction in the past, I know that this is precisely the type of fraud that is covered under the XXXX agreement. If this is not resolved in my favor, I will be forced to file a complaint with both XXXX and the Consumer Financial Protection Bureau ( CFPB ). 

I appreciate your time and attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 - XX/XX/XXXX - {$XXXX} XXXX  XXXX XXXX XXXX - XX/XX/XXXX - {$XXXX} XXXX  XXXX  XXXX XXXX - XX/XX/XXXX - {$XXXX} XXXX  XXXX  - XXXX XXXX XX/XX/XXXX - {$XXXX} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$XXXX} XXXX XXXX XXXX - XXXX - XX/XX/XXXX XXXX {$XXXX} XXXX XXXX, XXXX - XXXX - XX/XX/XXXX - {$XXXX} XXXX XXXX - XXXX - XX/XX/XXXX - {$XXXX} INQUIRIES : XXXX  - XX/XX/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 non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX, XXXX  XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I am writing because I am so confused on how Experian is reporting inaccurate information on my credit report. It is my understanding that you will investigate these items for me to ensure accuracy. Here are the items I asking you to verify as accurate XXXX XXXX-account number XXXX XXXX XXXX-account number-XXXX  XXXX XXXX-account number- XXXX Please send me your results after your investigation. 
Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX, XXXX  XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I am writing because I am so confused on how Experian is reporting inaccurate information on my credit report. It is my understanding that you will investigate these items for me to ensure accuracy. Here are the items I asking you to verify as accurate XXXX XXXX-account number XXXX XXXX XXXX-account number-XXXX  XXXX XXXX-account number- XXXX Please send me your results after your investigation. 
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 non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/year>, I deposited a cashiers check in the amount of {$37000.00} with Chase Bank in person with a teller. I was not informed of a seven-day hold on the funds until after the deposit was completed. The hold is set to remain in place until XX/XX/year>. 

As of XX/XX/year>, Chase has verified the authenticity of the check with the issuing institution. Despite this verification, Chase has refused to release any portion of the funds prior to the holds expiration date, including the statutory amount of {$5500.00}, which should be made available under federal regulations. 

Chase has asserted that the account agreement I signed upon opening my account supersedes federal law, and therefore I am not entitled to access any portion of the deposited funds until the hold is lifted on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Subject : Formal Complaint Against Experian for Failure to Investigate Credit Dispute Dear CFPB Complaint Department, I am filing a formal complaint against Experian for failing to properly investigate my dispute regarding a collection account that was improperly reported on my credit file by XXXX XXXX XXXX. 

On XX/XX/year>, I submitted a dispute to Experian, requesting an investigation into whether XXXX XXXX XXXX complied with the Fair Debt Collection Practices Act ( FDCPA ) and Consumer Financial Protection Bureau ( CFPB ) guidelines before reporting the debt. Specifically, I raised concerns that the collection agency did not notify me through any of the required methods, such as by phone, in person, by mail with a waiting period, or electronically with proof of delivery failure, before reporting the debt to Experian. 

Despite my request, Experian failed to conduct a proper investigation into whether the creditor satisfied these legal obligations. Instead, they responded with the following statement : " The incorrect account with XXXX XXXX XXXX that starts with XXXX has not been changed and will remain on your credit report. '' This response is unacceptable. Experian knowingly allowed an inaccurate account to remain on my credit report without verifying whether the collection agency had met the required legal steps before reporting the debt. This failure to conduct a reasonable investigation violates the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to investigate disputes and ensure the accuracy of reported information. 

I am requesting that the CFPB investigate Experians handling of this dispute and take appropriate action to enforce compliance with federal laws. I also request that this collection account be removed from my credit report unless the collection agency can provide documented proof that they followed the required notification procedures before reporting the debt. 

I have attached a copy of my original dispute letter to Experian, their response, and any other relevant documents. Please confirm receipt of this complaint and inform me of the next steps in the process. 

Thank you for your time and assistance in this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed 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 non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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