vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
( 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 proce 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 2025-01-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live 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 non-monetary relief
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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I OBTAINED MY XXXX REPORT # XXXX, AND I NOTICED A OUTSTANDING AMOUNT OF HARD INQUIRIES THAT I DID NOT AUTHORIZED,

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 status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over XXXX days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 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: NC

Complaint narrative:
I have provided Cashapp with the correct information, police report, screenshots, emails, and phone calls. I can not get any help from them. No refunds, no emails other then they deny my claim with no explanation. Please help me receive my refund back. On XX/XX/year> at XXXX pm, I transferred my paycheck from XXXX to Cashapp to pay my bills and within minutes, someone from XXXX ( screenshot proven ), bought XXXX with it. I immediatley filed a claim with Cashapp, but they will not help me. 

XXXX XXXX XXXX

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: EQUIFAX, INC.
State: GA

Complaint narrative:
I just reviewed my credit report and noticed some inaccurate information on my credit report. Can you please investigate and delete these fraudulent items please. 
Thank you

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 status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be ine ccurate. 

Under XXXX XXXX XXXX XXXX ( b ) Accuracy of report Whenever a consumer reporting agenc Prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

XXXX XXXX XXXX XXXX ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general it, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency Shall - ( promptly delete that item of information from the ifle of the consumer or modity that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove and delete the following items from my credit report, immediately Accounts : XXXX XXXX XXXX XXXX XXXX ( which are on the banned Debt Collectors list from the federal trade commisions ) XXXX XXXX XXXX XXXX ( which are on the banned Debt Collectors list from the federal trade commisions ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard Inqiures : XXXX XXXX  XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NJ

Complaint narrative:
Background Summary : On XX/XX/XXXX, I paid off Loan # XXXX with Mohela in the amount of {$1400.00}. Following Mohelas XXXX timeline to update credit bureaus, I checked my credit report on XX/XX/XXXX, but found no update. Instead, I noticed an increase to {$1400.00} on my XXXX report. Despite disputing the charge and several follow-up calls to Mohela, XXXX was repeatedly informed that my payment was still in processing, although they had confirmed receipt. 
Key Developments and Issues : XXXX. On XX/XX/XXXX, Mohelas representative, XXXX ( ID XXXX ), confirmed the payment was mistakenly applied to Loan # XXXX instead of Loan # XXXX. She cited system migration issues and assured me a correction would be submitted, with an expected XXXX turnaround. Yet, in XXXX, the issue remained unresolved. 
XXXX. I escalated the matter to Mohelas supervisor, XXXX ( ID XXXX ), on XX/XX/XXXX, who sent escalation tickets to both the accounting and account rebuild ( conversion ) teams. Although this seemed promising, my credit report remains inaccurate, and Mohela has yet to report my payment to all three credit bureaus. 
XXXX. During my latest follow-up on XX/XX/XXXX, XXXX ( ID XXXX ) confirmed that the audit was completed on XX/XX/XXXX, and a XXXX ticket ( Case # XXXX ) is still pending. Despite these internal steps, the issue remains unreported to the credit bureaus, continuing to impact my credit score. 
XXXX. Called XX/XX/XXXX and spoke with Credit Department : XXXX XXXX Employee ID XXXX to check on the status. Still no update. 
XXXX. Called on XX/XX/XXXX here are my notes from that call. ( Took XXXX calls before reaching a person to provide me with an update ) XXXX Employee ID XXXX ( unable to help me, transferred me back in queue ) XX/XX/XXXX Advanced Department : XXXX Employee ID : XXXX What is the status of ServiceNow ticket case # XXXX - no record XX/XX/XXXX escalated request XXXX request still open XXXX opened a new ticket ID : XXXX To have the payment of {$1400.00} re-applied to Loan XXXX. Mind, you this was supposed to have been done back in XXXX. 
Why would I or anyone want to deal with a XXXX XXXX payment processing center that has these types of issues. Apparently, no SOPs and unable to follow internal processes to rectify their issues timely. Now we are in XXXX season and guess what, there is no XXXX tax statement with my XX/XX/XXXX recorded payment. I was unemployed the entire year of XXXX. I could have kept my money if I knew this was going to happen.

Company public response: Company believes it acted appropriately as authorized by contract or law
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: TX

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 XXXX 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: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
For multiple times of saying this, Ive had my identity stolen and need your assistance to quickly eliminate these fraudulent entries. Please delete this particular item at your earliest convenience and make sure to update all other inaccurate information without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have attached the letter I sent to Citi Executive Response Team below stating the facts. 
" PeterBasil XXXX # XXXX XXXX, XXXX CitibankN.A. 
XXXX, SiouxFalls, XXXX Subject : FormalDisputeResponseRegardingMisrepresentedClaimsand3 % SurchargeDispute CitiReferenceNumber:XXXX XXXXXXXX XXXX XXXX ending in XXXX To The Citi Executive Response Team Iamwritingtoformallydisputethefalseclaimthatmypreviouslydisputedchargesweremisrepresented.ThisassertionisutterlyfalseandinvalidpursuanttoCaliforniaStateLawSB478.Mydisputewasstrictlyandexplicitlyregardingtheunlawful3 % surchargeappliedtothetransactionsinquestion. 

Ihaveattachedcopiesoftheinvoicesforthedisputedtransactions, whichclearlyindicatethe3 % surchargeappliedtoeach.Asyouareaware, XXXXprohibitsbusinessesfromimposingsurchargesoncreditcardtransactions, makingthesechargesunlawful. 

Themisrepresentationclaimputforthagainstmeisnotonlyunfoundedbutalsodetrimentaltomystandingasaresponsiblecardholder.Ihavemaintainedanexcellentcreditrecord, havenevermissedapayment, andhaveactedingoodfaiththroughoutthisprocess.Iexpectthatthismatterbethoroughlyreviewedandresolvedinamannerthatupholdsconsumerprotectionlawsandmyrightsasacardholder. 

Inlightoftheprovidedevidence, Iformallyrequest : Acorrectionofanyrecordsorreportsthatfalselyclaimmydisputewasmisrepresented. 

AformalresponseclarifyingthebankspositiononcompliancewithXXXXandthehandlingofsuchsurchargedisputesinthefuture. 

Credit of Reward Dollars {$3800.00} owed to me as of XXXX statement due in XX/XX/year>. 

Failuretoaddressthismatterproperlymaywarrantfurtherlegalactionorescalationtotheappropriateregulatoryauthorities.Irequestawrittenresponsewithin14businessdaystoconfirmtheresolutionofthisdispute.

Pleasedirectanycorrespondenceregardingthismattertothecontactinformationprovidedabove.

Sincerely, XXXX Enclosures : Copiesofinvoicesshowing3 % surcharge. 


Copy : TheConsumerFinancialBureau, 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: 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: MA

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 XXXX 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 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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
JPMCB CARD unlawfully obtained my XXXX credit report XX/XX/2024

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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed serval inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to dispute XXXX failure to properly reinvestigate and correct inaccurate information on my credit report. Specifically, Equifax has failed to remove multiple hard inquiries that have already been deleted by XXXX. This discrepancy indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and raises concerns about the accuracy and fairness of your reporting practices. 
The following unauthorized or inaccurate inquiries remain on my Equifax credit report despite being removed by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under the FCRA ( 15 USC 1681i ), Equifax is required to conduct a thorough reinvestigation of disputed items and ensure that the information it reports is accurate. If XXXX, another major credit reporting agency, has deleted these inquiries based on its investigation, then Equifax should reach the same conclusionunless it can provide verifiable evidence proving otherwise. If the same data furnishers are reporting to multiple credit bureaus, then all reports should reflect identical and accurate information. 
XXXX continued reporting of these inquiries, despite a failure to verify their legitimacy properly, constitutes willful noncompliance under 15 USC 1681n. If this issue is not resolved promptly, I will consider taking further action, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing all legal remedies available to me.

I demand that Equifax immediately : 1. Conduct a proper reinvestigation into these disputed inquiries.

2. Provide specific details on how these inquiries were verified, includi
ng the methods used and the data relied upon.

3. Permanently remove the listed inquiries from my credit file.

4. Provide me with an updated credit report reflecting these corrections. 
For your reference, I have attached : A copy of my XXXX credit report, showing the deletion of these inquiries. 
Prior dispute correspondence. 
A copy of my identification for verification purposes. 
I expect a full resolution of this matter within the XXXX period required by law. Thank you for your prompt attention to this matter.

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 status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
False late payments Improper  use of credit file Unknown account dont recognize Credit bureaus misleading banking institution regarding my account usage or status. 

Files removed for credit due to data breach in informed info mis reporting or usage

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: CA

Complaint narrative:
False late payments Improper use of credit file Unknown account dont recognize Credit bureaus misleading banking institution regarding my account usage or status. 

Files removed for credit due to data breach in informed info mis reporting or usage

Company response to consumer: Closed with explanation