vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 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 final disputes and at certain point they did take some of the inquiries off but during covid they actually put them back on and they double put them back on my credit score went from a XXXX during covid and had a negative inquiry come up I disputed the inquiry and it then reappeared three more times dropping my credit score over XXXX points and has not gone back up since XXXX resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: TX

Complaint narrative:
I did final disputes and at certain point they did take some of the inquiries off but during covid they actually put them back on and they double put them back on my credit score went from a XXXX during covid and had a negative inquiry come up I disputed the inquiry and it then reappeared three more times dropping my credit score over XXXX points and has not gone back up since XXXX resolution

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 2025-01-29 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: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I want reported accounts removed XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX Balance : {$730.00} XXXX XXXXXXXX Balance : {$5400.00} XXXX XXXX XXXXXXXX Balance : {$4900.00} XXXX XXXX Balance : {$3300.00} XXXX XXXXXXXX Balance : {$1100.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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 appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX Balance : {$730.00} XXXX XXXXXXXX Balance : {$5400.00} XXXX XXXX XXXXXXXX Balance : {$4900.00} XXXX XXXX Balance : {$3300.00} XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
On XX/XX/XXXX, Venmo  suspended my account and held my funds on their platform until further notice. 

On XX/XX/XXXX, Venmo  emailed me informing my funds can get withdrawn from the platform. However, Venmo  did not allow me to add my banking information in, so I could not get my money out that day. I would contact their customer service and get a proper response back on XX/XX/XXXX, and XXXX. Where I was redirected from customer service to a specialist  named XXXX XXXX. who said they made adjustments to my account which would allow me to add my banking information back in. In fact it did, however, it showed my bank account as unverified, Venmo  even said they don't guarantee the return of funds if someone withdraws to what they claim to be an unverified bank account. To verify my account, I would have to allow Venmo to make two micro-transactions into my bank, which then I would have to input the amount of money that was sent to my account to show my bank could be verified. 

On XX/XX/XXXX, Venmo emailed me saying my deposit micro-transactions failed, and additionally, my account was no longer valid to transfer to my bank. This means even if I did withdraw my money to my " unverified '' bank account Venmo would reject my transaction as my account is no longer authorized to make withdraws. Despite their specialist saying I could make withdraws at that point. 

On XX/XX/XXXX, I would contact venmo about this issue and they would respond on XX/XX/XXXX. When they responded, they asked me to re-validate my bank account, which I've used in the past with Venmo. And for me to verify my account, they would need an additional copy or a photo of a statement from my bank. Furthermore, the statement must include at least one successful transaction after the date of the failed payment. The issue is my bank has yet to issue the bank statement for the month of XXXX and they are asking me to submit this bank statement in order to verify. Which is nearly impossible as I don't have access to that information yet.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
My Saks Fifth Avenue XXXX, previously managed by XXXX XXXX, transitioned to Comenity Bank. During this transition, my login credentials changed, and my autopay was removed without notice. As a result, I was unable to access my account and verify my payment status. Additionally, my mailing address was outdated in their system, so I did not receive statements or alerts.

Once I became aware of the issue, I paid off the account in full, and my balance is now settled. Despite this, Comenity refuses to remove the late payment, even though the delay was caused by their transition process, not negligence on my part.

I am requesting that the late payment be removed from my credit report as this was an error beyond my control, and my account is now in good standing. The bank decided not to correct this despite they DID have my autopay information but they did not activate it when transitioning to the new bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
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 non-monetary relief
Consumer complaint received 2025-01-28 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: PR

Complaint narrative:
I Recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report.Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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:
Fail to report accuracy Fail to reinvestigate and dispute inaccurate information inclusion of obsolete of 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 2025-01-29 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: NY

Complaint narrative:
I am writing to follow up on my previous correspondence regarding several negative accounts appearing on my credit report due to identity theft, as detailed in my last letter. 

In my initial statement, I outlined the unauthorized transactions and accounts that have been fraudulently opened in my name, which have severely impacted my credit standing. I kindly requested the removal, blocking, or updating of these inaccurate entries, as well as a prompt response regarding the dispute 's timeline and process. 

Please provide an update on the current status of my case and confirm the steps that have been or will be taken to resolve this matter. If there is any additional information or documentation required, please let me know, as I am committed to assisting with the verification and correction process to ensure an accurate reflection of my credit report. 

I appreciate your time and consideration in addressing this issue. I look forward to your response and a timely resolution to restore the integrity of my credit record. 

Thank you once again for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-01-29 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: PA

Complaint narrative:
I was a victim of identity theft. The following Information is fraud. FRAUDULENT ACCOUNTS : XXXX XXXX BALANCE : {$450.00} ACCOUNT XXXX Date opened - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : {$5000.00} ACCOUNT NUMBER - XXXX Date opened - XX/XX/XXXX XXXX XXXX XXXX BALANCE : {$000.00} ACCOUNT NUMBER : XXXX Date opened - 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 2025-01-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Block, Inc.
State: NC

Complaint narrative:
My CashApp account has been compromised as there were a few unknown attempts to purchase. Due to this, I would like to request a replacement card, but with my current legal name ( last name only changed through marriage ). I have opened 3 different Cases and provided pictures of my state DL ( with my current legal name ) front and back, along with a picture of me holding the card next to my face and further had to still send in my marriage certificate, which I have done twice.

CashApp seems to still refuse to update my last name. The following has been sent in one of my latest emails to CashApp support.

Again, to provide the severity of the request : M
y account has possibly been comprised, as there have been a few attempts to make unknown purchases. Due to this, I would like to order a new card but first update my legal last name so that the correct name can appear on the new card. I have changed my pin and locked my card for security purposes in the meantime. Being held up with the name change after providing everything asked multiple times is holding up my ability to order a new card with my correct name and further leaving my account vulnerable. 

History : I have been a loyal CashApp customer with the current account for over 10 years and even spoken highly of CashApp to others who may have been skeptical to use it. I have never had any issues with this account until now and I am taken aback with the obstacles I am forced to deal with in order to simply change my legal last name. Furthermore, no one can tell me why it is necessary for me to repeatedly upload and respond with the same information, creating a run-around process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
On XX/XX/XXXX I was wrongfully accused and XXXX  for a crime I didn't commit for which I'm still currently fighting. I was released on bail XX/XX/XXXX. During that time of my XXXX  from XX/XX/XXXX - XX/XX/XXXX my Cash App account was hacked/broken into and a sum of almost {$5000.00} was taken out of my account without my knowledge of knowing or my permission given to do so. Since XXXX or XXXX of XXXX I've been trying to dispute all transactions made even adding a document from my lawyer with proof in it stating when I was XXXX  but cash app keeps closing my case with no answers of why they've done so. But as of today XX/XX/XXXX I had my case reopened and was told by a friend to contact your company to see if could be assisted in this matter. So if there's anything your company can do to help I would greatly appreciate it. If further information is needed please contact me asap. And again I'm a victim that was done and treated unfairly and all I want in the end is to get my money back thank you and be blessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: PA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation XXXX  XXXX is the account I've marked as inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I'm exhausted from trying to get these errors off my report. It feels like I've spent hours on the phone and online, trying to explain these inaccuracies and provide documentation, but nothing seems to change.

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 2025-01-28 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 am submitting this complaint regarding inaccurate late payments Account Number : XXXX that are reported on my credit file maintained by Equifax XXXX I believe these late payments are erroneous and do not accurately reflect my payment history. 

Nature of the Complaint : XXXX. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
XXXX. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness. 
XXXX. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
XXXX. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information. 
Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: NY

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 2025-01-29 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: OK

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: MS

Complaint narrative:
CAUSE OF ACTION VIOLATION OF THE FAIR CREDIT REPORTING ACT XXXX. Experian failed to maintain and follow reasonable procedures to ensure the accuracy of Plaintiffs credit report, violating 15 U.S.C. 1681e ( b ).

10. Experian failed to properly investigate and prevent the reinsertion of inaccurate information, violating 15 U.S.C. 1681i ( a ) ( XXXX ) ( B ). 

DAMAGES XXXX. As a result of Experians actions, Plaintiff has suffered : a. Harm to their credit reputation and score. 
b. Emotional distress and frustration. 
c. Denial or unfavorable terms on credit applications. 

RELIEF REQUESTED WHEREFORE, Plaintiff respectfully requests : XXXX. Actual damages in an amount to be determined at trial. 
XXXX. Statutory damages of up to {$1000.00} per willful violation under 15 U.S.C. 1681n. 
XXXX. Punitive damages for willful noncompliance. 
XXXX. Attorneys fees and costs. 
XXXX. Any further relief the Court deems just and proper.

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