vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-05 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: NY

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 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 2025-02-05 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: WA

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 2025-02-05 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.

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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 2025-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Halsted Financial Services, LLC.
State: WI

Complaint narrative:
Halted Financial Services contacted me about 2 weeks ago stated that they are collecting XXXX worth of debt that I owe dollars from a XXXX XXXX XXXX XXXX. They text messaged me 2 weeks later and I asked him for a debt validation letter from them to verify that I owed them I that amount because I didnt recall owing XXXX XXXX XXXX XXXX that amount. They offered to lower the debt then they told me they were unable to produce a debt validation letter, I told them that they shouldve provided me with one five days after they contacted me about the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: TX

Complaint narrative:
I am filing this complaint because [ XXXX, XXXX, and/or TransUnion ] are reporting incorrect and fraudulent information on my credit report. Despite my previous disputes, these accounts do not belong to me and should have been removed immediately as required by the Fair Credit Reporting Act ( FCRA ). 

Fraudulent Accounts on My Credit Report The following accounts have been incorrectly reported under my name, and I am requesting their immediate removal : XXXX XXXX ( Ending in XXXX ) Balance : {$0.00} This account does not belong to me and should not be associated with my credit profile. 
XXXX XXXX ( Ending in XXXX ) Balance : {$1400.00} I have never opened this account or authorized it in my name. 
Credit Card XXXX XXXX XXXX ( Ending in XXXX ) Balance : {$1500.00} I have no knowledge of this account and never applied for it. 
Additionally, I want to make it clear that : I have not authorized anyone to be on any of my accounts. 
I have not been added to any accounts by anyone else. 
These accounts are being reported without my consent. 
FCRA Violations by the Credit Bureaus The credit bureaus are violating my rights under the Fair Credit Reporting Act ( FCRA ) by continuing to report inaccurate information. The violations include : Failure to Maintain Maximum Possible Accuracy ( 607 ( b ) ) The FCRA requires credit bureaus to report only verified and accurate information. These accounts do not belong to me, yet they remain on my report. 
Failure to Conduct a Reasonable Investigation ( 611 ( a ) ) I previously disputed these accounts, but the credit bureaus failed to properly investigate and remove the fraudulent information.

Failure to Block Fraudulent Information After Identity Theft Report ( 605B ) The FCRA requires that fraudulent accounts be blocked and removed once an identity theft report is provided. I will provide my FTC Identity Theft Report, yet these accounts still have not been removed. 

I have attached the following documents as evidence : FTC Identity Theft Report Statements of all legitimate accounts I own

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 2025-02-05 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: TX

Complaint narrative:
I am filing this complaint because [ XXXX, XXXX, and/or TransUnion ] are reporting incorrect and fraudulent information on my credit report. Despite my previous disputes, these accounts do not belong to me and should have been removed immediately as required by the Fair Credit Reporting Act ( FCRA ). 

Fraudulent Accounts on My Credit Report The following accounts have been incorrectly reported under my name, and I am requesting their immediate removal : XXXX XXXX ( Ending in XXXX ) Balance : {$0.00} This account does not belong to me and should not be associated with my credit profile. 
XXXX XXXX ( Ending in XXXX ) Balance : {$1400.00} I have never opened this account or authorized it in my name. 
Credit Card XXXX XXXX XXXX ( Ending in XXXX ) Balance : {$1500.00} I have no knowledge of this account and never applied for it. 
Additionally, I want to make it clear that : I have not authorized anyone to be on any of my accounts. 
I have not been added to any accounts by anyone else. 
These accounts are being reported without my consent. 
FCRA Violations by the Credit Bureaus The credit bureaus are violating my rights under the Fair Credit Reporting Act ( FCRA ) by continuing to report inaccurate information. The violations include : Failure to Maintain Maximum Possible Accuracy ( 607 ( b ) ) The FCRA requires credit bureaus to report only verified and accurate information. These accounts do not belong to me, yet they remain on my report. 
Failure to Conduct a Reasonable Investigation ( 611 ( a ) ) I previously disputed these accounts, but the credit bureaus failed to properly investigate and remove the fraudulent information.

Failure to Block Fraudulent Information After Identity Theft Report ( 605B ) The FCRA requires that fraudulent accounts be blocked and removed once an identity theft report is provided. I will provide my FTC Identity Theft Report, yet these accounts still have not been removed. 

I have attached the following documents as evidence : FTC Identity Theft Report Statements of all legitimate accounts I own

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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:
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 2025-02-05 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: MD

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 2025-02-05 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MD

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 2025-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: M&T BANK CORPORATION
State: CT

Complaint narrative:
Someone stole {$4200.00} out of my M & T bank account and the bank denied my claim. It started on XXXX XXXX leaving my bank account at {$0.00}.

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 monetary relief
Consumer complaint received 2025-02-05 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: AMERICAN EXPRESS COMPANY

Complaint narrative:
I booked an XXXX ( XXXX XXXX ' ) in XXXX , arriving in the evening on XX/XX/year>. XXXX XXXX turned out to be not suitable for renting for a number of reasons ( mainly odour, cleanliness, and security ), and XXXX promptly refunded my money and suggested I rebook. This was around XXXX in downtown XXXX. 

Once out of XXXX XXXX, I attempted to book a different XXXX in XXXX ( XXXX XXXX ' ), and was provided with an automated reply containing a link to a third-party form by the host I was attempting to book with. The form link was suspect and not associated with XXXX, and requested pictures of ID and other details I was uncomfortable with. Regardless, I attempted to fill out the form for XXXX XXXX, however I received an error everytime I tried to proceed past the first step. I could not upload any pictures as required by the form, although I tried on several different networks using different browsers. I attempted to contact the host of XXXX XXXX immediately to resolve this ( now about XXXX ) but they were non-responsive. This is all documented. I contacted XXXX, who in turn attempted to reach the host but could not. We tried to do this as midnight approached, however XXXX recommended I attempt booking elsewhere, which I successfully did ( XXXX XXXX ' ). 

I was never provided check in instructions, a full address, or any means of checking into XXXX XXXX, however I was still charged a full amount. XXXX and AMEX have both simply sent along copies of XXXX 's no cancellation policies associated with XXXX XXXX, however there were never check in instructions provided to me. XXXX has since offered to provide a 20 % refund to me, however I am seeking a full refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MD

Complaint narrative:
Cash app allowed people to hack my personal information and allowed customers such as my self to be ripped off. They had no love person to talk to whenever things occurred. I was with the company for a long time until one morning I woke up and was locked out of my account and was told I could not use the account any more and to retrieve all money that was posted to the account only when you go to withdrawal you can't. I have lost so much money behind cash app and not having the proper security for it's customers. As a mother of XXXX children being ripped off over and over again puts you into a bind.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: CA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-02-05 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 have not supplied proof under the doctrine of estoppel by silence, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
On XX/XX/year>, at XXXXXXXX XXXX, I purchased a {$25.00} American Express ( AMEX ) gift card from XXXX XXXX. I attempted to use this gift card to buy an item on XXXX, but the transaction did not go through. Following this, I tried adding the card to XXXX XXXX in hopes of using it that way ; however, the result was the samethe transaction failed again. Subsequently, I attempted to add the card to my XXXX account, but once more, the process did not succeed. 

Today, around XXXXXXXX XXXX, I contacted Customer Service regarding these issues. They advised me to simply try using the card with a " different merchant. '' When I requested a replacement card, they declined, stating that the outcome would remain unchanged. 

I received an American Express gift card and attempted to use it at XXXX, XXXX XXXX, and XXXX. American Express 's deceptive advertising materials say, " You can use your American Express eGift Card with any United States-based online, phone, or mail-order merchants wherever American Express Cards are accepted . '' This statement is false and misleading. Despite attempting to use the card at reputable merchants who claim to accept American Express gift cards, all transactions were declined. Each attempt was for amounts less than the card 's balance, and the card was active at the time of the attempts. 

When I reached out to American Express for clarification, they informed me that the transactions were declined to " protect customers. '' This explanation lacks transparency and is deceitful. By preventing the cards from being used where customers are most likely to need them, without informing either buyers or users until after valid purchases are declined, American Express causes significant inconvenience and potential financial harm to its users. Notably, when I called American Express to investigate why the card wasn't functioning, they left me on hold for an extended period, compounding the frustration and delay in resolving the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: MN

Complaint narrative:
I have called Experian 5 times today XX/XX/year> desparately trying to connect with a human as the email they have to verify my account is NOT MINE!!!!! I am panicked as I can't access my account. They only have 4 options and then hang up on you. They direct you to their HELP website which is of no help. THIS IS MY PERSONAL INFORMATION AND THEY DON'T CARE!! 
HORRIBLE HORRIBLE HORRIBLE

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