vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
I am filing a complaint against cash app ( Block inc ) due to inadequate customer service and unfair practices, which violates the customer financial protection act ( cops ) specifically cash app failed to take timely and effective measures to prevent and address fraud on there platform.Leaving my account vulnerable and unprotected. Furthermore, there are dispute 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 acts have caused significant inconvenience and financial loss and I see appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
My identification was stolen back in XX/XX/XXXX XXXX asking for your help in getting my life back after my purse was stolen. 

Experian : XXXX XXXX XXXX ALSO KNOWN AS XXXX GENERATIONAL IDENTIFIER YEAR OF BIRTH XXXX ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX DHL SUPPL CHAIN PERSONAL STATEMENTS XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR XXXX YEARS BEGINNING 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 2025-01-30 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: FL

Complaint narrative:
I am filing a formal complaint against Transunion for violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, by reporting inaccurate and misleading information on my credit report. I am distressed by this damaging information on my credit report and I can no longer be compliant with fraud.

Transunion is currently reporting that I owe a balance of {$1400.00} to XXXX XXXX Bank XXXX but this is false and misleading. I received an IRS Form 1099-C ( Cancellation of Debt ) for {$1000.00}, which indicates that a portion of this debt was legally canceled and must be reported as taxable income. Under IRS regulations, a canceled debt is no longer owed, and creditors can not continue to attempt collection or report it as an outstanding balance. 
1. Failure to Report Accurate Information ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) XXXX is knowingly reporting an inaccurate balance, despite the fact that part of the debt was canceled. 

2. Failure to Properly Investigate ( 15 U.S.C. 1681s-2 ( b ) ) I previously disputed this account with Transunion and asked them to validate this debt properly, yet they failed to correct the information.

2. Furnishing Incomplete or Misleading Information The reported balance does not reflect the canceled debt, misleading potential lenders and harming my creditworthiness.

Attached to this complaint are : 1. A copy of my Transunion credit report showing the inaccurate balance. 
2. A copy of the 1099-C form from XXXX XXXX Bank confirming cancellation . 
3. A copy of my previous dispute letter to Transunion and their inadequate response. 

I urge the CFPB to investigate Transunions noncompliance and hold them accountable for violating the FCRA. Please confirm receipt of this complaint and provide updates on your findings.

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 2025-01-30 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: ID Analytics, Inc.
State: IL

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information.

I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: NV

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on this account that I was in fact paid on time. 
The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments I've attached a copy of my credit report to this complaint on the following dates for XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/year> XX/XX/year> I'm now requesting you to investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

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 2025-01-30 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:
XXXX XXXX XXXX HAVE STATED I OWE MONEY. I HAVE NO KNOWLEDGE OF THIS COMPANY. THEY HAVE REFUSED TO SUBMIT APPROPRIATE DOCUMENTS WITH MY SIGNATURE. THIS COMPANY HAS CLOSED ACCOUNT AND SHOULD NOT BE ON MY CREDIT FILES.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: TX

Complaint narrative:
XXXX XXXX XXXX HAVE STATED I OWE MONEY. I HAVE NO KNOWLEDGE OF THIS COMPANY. THEY HAVE REFUSED TO SUBMIT APPROPRIATE DOCUMENTS WITH MY SIGNATURE. THIS COMPANY HAS CLOSED ACCOUNT AND SHOULD NOT BE ON MY CREDIT FILES.

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 2025-01-30 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:
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 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 XXXX. V financial loss, and I seek appropriate redress

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: TX

Complaint narrative:
I recently reviewed a copy on my credit report and noticed i have fraudulent accounts on my report, please remove these accounts from my report, they are hurting my ability to obtain credit. 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 explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Credit Bureau XXXX Department XXXX : XXXX XXXX XXXX XXXX XXXX XXXX under FCRA Dear Credit Bureau Representative, I am formally disputing the inaccurate reporting of the account " XXXX XXXX '' ( Account No. XXXX ) on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq., I demand an immediate investigation and removal of this erroneous account within XXXX ( XXXX ) days, or I will pursue legal damages under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance. 
Inaccuracies and Violations : Settled Account Still Showing a Write-Off The account is reported as " Paid in settlement '' with a " {$570.00} written off. '' Once settled, the balance should reflect as XXXX without a charge-off designation. This violates 15 U.S.C. 1681e ( b ), which mandates accurate reporting. 
Incorrect Payment History The payment history incorrectly lists " CO '' ( Charge-Off ) for multiple months in XXXX, even after the account was settled and closed. This misrepresentation affects my creditworthiness and violates FCRA guidelines. 
Unverified Debt and Reporting Beyond Closure No evidence has been provided to confirm Capital Ones right to continue reporting this account in its current inaccurate state. The status update in XX/XX/XXXX should mean no further derogatory reporting is necessary. 
Hindrance to My Financial Opportunities Due to these inaccuracies, I have been denied multiple credit opportunities, employment, and financial products. Under 15 U.S.C. 1681i ( a ), I demand the immediate deletion of this erroneous account.

Resolution Demanded : Permanently remove this account from my credit report. 
Provide written confirmation of removal within XXXX ( XXXX ) days. 
Cease further reporting of this inaccurate information to avoid further legal liability. 
Failure to comply will result in legal action for damages under the FCRA, including statutory damages, attorney fees, and court costs. I expect a response within XXXX ( XXXX ) days from the receipt of this letter. 
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 non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Credit Bureau XXXX Department XXXX : XXXX XXXX XXXX XXXX XXXX XXXX under FCRA Dear Credit Bureau Representative, I am formally disputing the inaccurate reporting of the account " XXXX XXXX '' ( Account No. XXXX ) on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq., I demand an immediate investigation and removal of this erroneous account within five ( 5 ) days, or I will pursue legal damages under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance. 
Inaccuracies and Violations : Settled Account Still Showing a Write-Off The account is reported as " Paid in settlement '' with a " {$570.00} written off. '' Once settled, the balance should reflect as XXXX without a charge-off designation. This violates 15 U.S.C. 1681e ( b ), which mandates accurate reporting. 
Incorrect Payment History The payment history incorrectly lists " CO '' ( XXXX ) for multiple months in XXXX, even after the account was settled and closed. This misrepresentation affects my creditworthiness and violates FCRA guidelines. 
Unverified Debt and Reporting Beyond Closure No evidence has been provided to confirm Capital Ones right to continue reporting this account in its current inaccurate state. The status update in XX/XX/XXXX should mean no further derogatory reporting is necessary. 
Hindrance to My XXXX Opportunities XXXX to these inaccuracies, I have been denied multiple credit opportunities, employment, and financial products. Under 15 U.S.C. 1681i ( a ), I demand the immediate deletion of this erroneous account.

Resolution Demanded : Permanently remove this account from my credit report. 
Provide written confirmation of removal within XXXX ( XXXX ) days. 
Cease further reporting of this inaccurate information to avoid further legal liability. 
Failure to comply will result in legal action for damages under the FCRA, including statutory damages, attorney fees, and court costs. I expect a response within XXXX ( XXXX ) days from the receipt of this letter. 
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 2025-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I called Citi Bank Customer Service to close my account on XX/XX/XXXX. The person on the phone assured me that the account was closed, they advised me to get rid of my debit card as it has been closed, and told me that the access to my XXXX Banking would be XXXX. I never received confirmation in the mail that my account was closed, never received the last statement. I continue to get alerts in my email to check my statements and a notice on XX/XX/XXXX that my account is negative due to a maintenance charge fee that posted on XX/XX/XXXX. I do not have any access online to see this account or access through the XXXX to find out account details. I called Customer Service multiple times to resolve my issue, but they tell me they can not access my account if I don't have my full account number or debit card number. There is no way I can have those details as they restricted my access to my statements and told me to get rid of my debit card on XX/XX/XXXX. Customer Service keeps telling me to visit a branch but there aren't any branches in XXXX mile radius from my home. When people send me money through XXXX, it continues to go to an account in Citi Bank that should be closed. I have no access to my funds that got routed there and no information on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: IL

Complaint narrative:
They investigation came back accurate, but I never received any proof of the results or finding, they results was solely based of the creditors or collections agency. XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX I havent disputed with multiple letters, with Evidence attached, copy of photo Id, bills, updated payment ledgers, nothing changed and score continues to drop and is still inaccurate. The companies has lied by verifying that that reporting Accurate information when its 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 2025-01-30 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: IL

Complaint narrative:
They investigation came back accurate, but I never received any proof of the results or finding, they results was solely based of the creditors or collections agency. XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX I havent disputed with multiple letters, with Evidence attached, copy of photo Id, bills, updated payment ledgers, nothing changed and score continues to drop and is still inaccurate. The companies has lied by verifying that that reporting Accurate information when its XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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 am writing to formally dispute the inaccurate information reported on my credit file by the XXXX University XXXX New York XXXX XXXX ( XXXX XXXX XXXX ). 

Despite my diligent efforts to pay my loan on time and in full, XXXX XXXX XXXX has repeatedly reported late payments, which is entirely false. Their system has had frequent glitches, outages, and errors, which I suspect have contributed to these inaccuracies. I have made every effort to ensure payments were processed promptly, even during these technical issues. 

Most egregiously, XXXX XXXX XXXX has falsely reported me as being XXXX to XXXX days late on my payments for XX/XX/year>. This claim is completely inaccurate. As shown on my XXXX credit report ( attached ), I paid on time, yet this discrepancy appears on other credit reports. The inconsistency across the credit bureaus is unacceptable and damaging to my credit profile.

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 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
I am filling my 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 errors resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulations 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 2025-01-30 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: MI

Complaint narrative:
These companies violated my rights to privacy and have not shown me proof of the original agreement and has negative items on my credit report. I gave no permission to or signed any contracts for.

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 2025-01-30 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: MI

Complaint narrative:
These companies violated my rights to privacy and have not shown me proof of the original agreement and has negative items on my credit report. I gave no permission to or signed any contracts for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: AR

Complaint narrative:
I was not able to talk to anyone. So nothing happened!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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, Transunion has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. Transunion is the only credit bureau reporting a bankruptcy under a name that does not belong to me. Rule 9037. Privacy Protection for Filings Made with the Court- ( a ) Redacted Filings. Unless the court orders otherwise, in an electronic or paper filing made with the court that contains an individual 's social-security number, taxpayer-identification number, or birth date, the name of an individual, other than the debtor, known to be and identified as a minor, or a financial-account number, a party or nonparty making the filing may include only : ( 1 ) the last four digits of the social-security number and taxpayer-identification number ; ( 2 ) the year of the individual 's birth ; ( 3 ) the minor 's initials; and ( 4 ) the last four digits of the financial-account number. ( b ) Exemptions From the Redaction Requirement. The redaction requirement does not apply to the following : ( 1 ) a financial-account number that identifies the property allegedly subject to forfeiture in a forfeiture proceeding ; ( 2 ) the record of an administrative or agency proceeding unless filed with a proof of claim ; ( 3 ) the official record of a state-court proceeding ; ( 4 ) the record of a court or tribunal, if that record was not subject to the redaction requirement when originally filed ; ( 5 ) a filing covered by subdivision ( c ) of this rule; and ( 6 ) a filing that is subject to 110 of the Code. 15 USC 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. Code 1681a- Definitions ; rules of construction Exclusions-Except as provided in paragraph the term consumer report does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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