vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: MoneyLion Inc.
State: MD

Complaint narrative:
So I created a MoneyLion account in XX/XX/year> but I didnt start actually using the app until XX/XX/year>. While doing so I played games promoted by MoneyLion that will pay you cash to play. I was able to cash out to my account from these games in the amount of about {$180.00} which I received. I continued to play more games and XXXX more rewards but once I tried to cash out this time its shows an error and wouldnt give me my cash. I immediately contacted MoneyLion with my concerns and they told me my account was put on hold due to suspicious activity but the only activity was payments from MoneyLion itself no other outside entity or finances were involved. The customer care didnt help XXXX XXXX me to verify my address and send identification and I did that they denied me.. so its been almost XXXX and Im still running in circles sending documents and nothing is being done or rectified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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: GA

Complaint narrative:
The CRA Experian is reporting a bankruptcy filed in XXXX of 2024. I did request the CRA to remove the bankruptcy from my report. This bankruptcy remains on my credit report. I did not give Experian permission to report this bankruptcy due to the Fair Credit Reporting Act. 15 USC .1681.

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 2025-01-10 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: FL

Complaint narrative:
My name is XXXX XXXX and Social Security Number : XXXX, and Date of XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you shall block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX and as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-01-10 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: TX

Complaint narrative:
I looked at my report on XX/XX/2024 and noticed some things are incomplete and not accurate.And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I sent a letter asking them to reinvestigate these accounts listed below because ( US DEPT ED ) open date is not reporting correctly, date last active, date of last payment is not correct, thisn account is not accurate.

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S code 1681 E ( B ) accuracy of report whenever a consumer reporting agency 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.

15 U.S code 1681 I ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general if after any investigation under paragraph ( 1 ) of any information disputed by a consumer an item of the information is found to be inaccurate incomplete or can not be verified, the consumer reporting agency shall - ( I ) promptly delete that item of information from the file of the consumer or modify that item of information as appropriate, based on the results of the reinvestigation, and ( II ) promptly notify the furniture of that information that the information has been deleted from the file of the consumer

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 2025-01-11 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: MI

Complaint narrative:
I got a copy of my credit report and noticed an inaccuracy and I am submitting this complaint regarding the collection practices of XXXX. XXXX XXXX XXXX XXXX. Specifically, the company has reported a collection account on my credit report without being licensed to operate as a collection agency in the state of XXXX. I found that XXXX. XXXX XXXX XXXX XXXX is not licensed to operate as a collection agency in Michigan, as required under Michigan law. This lack of licensure is a violation of both state law and the Fair Debt Collection Practices Act ( FDCPA ), which mandates compliance with state regulations for debt collection activities. 
Also, I never received a dunning letter or any prior written notice from the company before they reported this account to the credit bureaus. The FDCPA requires debt XXXX to send a written notice of the alleged debt within XXXX days of their initial communication. This notice should provide details about the debt and my rights to dispute it. Since I never received a letter, Nor was I given an opportunity to validate or dispute the debt as allowed by law. Reporting a debt to the credit bureaus without prior notification and validation constitutes unfair and deceptive practices, harming my creditworthiness and financial standing. 

The collection account in question is identified as follows : XXXX XXXX : XXXX. XXXX XXXX XXXX XXXX. 
Account Number : XXXX Reported Balance : XXXX To resolve this issue, I have Contacted XXXX XXXX XXXXXXXX XXXX XXXX, demanding the removal of the account from my credit report. 
Filed disputes with the credit reporting agencies. 
I am now requesting the CFPB 's assistance to investigate this matter and ensure compliance with federal and state laws. Specifically, I ask that the CFPB : Too Investigate the licensing status and collection practices of XXXX. XXXX XXXX XXXX XXXX. 
Require the company to cease reporting the collection account on my credit file. 
Impose any appropriate penalties for noncompliance with state and federal regulations. 
Ask that the collection account be removed from my credit report unless it can be validated in compliance with applicable laws. 
Also That XXXX XXXX XXXX XXXX, XXXX be investigated for their failure to adhere to the requirements of the FDCPA and 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 2025-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The investigation lead to know results. Attached all documents that was sent to credit agencies.

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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The investigation lead to know results. Attached all documents that was sent to credit agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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: FL

Complaint narrative:
I have disputed the validity of the debt that XXXX XXXX XXXX is reporting with Experian multiple times. Each time the debt has come back Verified. The credit has also attempted to sue me and court but could not verify the validity of the debt so the case was dismissed!

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 2025-01-10 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:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-01-11 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: GA

Complaint narrative:
I was just looking over my credit report and found some inaccuracies This company has not reported items on my credit report correctly. discrepancies on each bureau. The dates are incorrect from each bureau. I have tried to resolve this issue with this debt collecting company and they have yet to delete the item from my credit report. I have reached out multiple times and they have shown no proof off who acquired this account

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 2025-01-11 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: GA

Complaint narrative:
I was just looking over my credit report and found some inaccuracies This company has not reported items on my credit report correctly. discrepancies on each bureau. The dates are incorrect from each bureau. I have tried to resolve this issue with this debt collecting company and they have yet to delete the item from my credit report. I have reached out multiple times and they have shown no proof off who acquired this account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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: GA

Complaint narrative:
I was just looking over my credit report and found some inaccuracies This company has not reported items on my credit report correctly. discrepancies on each bureau. The dates are incorrect from each bureau. I have tried to resolve this issue with this debt collecting company and they have yet to delete the item from my credit report. I have reached out multiple times and they have shown no proof off who acquired this account

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 2025-01-11 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: PA

Complaint narrative:
Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXXXXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to TransUnion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

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 2025-01-10 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Blackhawk Network Holdings Inc.
State: CA

Complaint narrative:
I am writing to file a complaint regarding my XXXXXXXX Gift Card  issued by XXXX, which expired on XX/XX/XXXX. On XX/XX/XXXX, I emailed their customer service at XXXX to inquire about replacing the expired card or obtaining a refund for the remaining balance. 

Unfortunately, I have not received any response or assistance as of today. I would greatly appreciate your help in addressing this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: GA

Complaint narrative:
An item that has resulted from fraud which I never benefitted from still appears on my report and you continue to put this false and fraudulent information on my credit. This is incredibly insulting and a defamation of my character, it's stressing me out knowing that my rights are being violated as a consumer. This is already reported to the Federal Trade Commission but nothing is removed.

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 2025-01-10 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: IL

Complaint narrative:
These hard inquires are fraudulent on my consumer report, I did not mak these transactions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: IL

Complaint narrative:
These hard inquires are fraudulent on my consumer report, I did not mak these transactions

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 2025-01-11 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: GA

Complaint narrative:
I have had issues with XXXXXXXX XXXX XXXX XXXXXXXX XXXX informaiton being stolen over the years, and have had to change CC numbers at least once a year for the past 4 years because of it. 

Reciently, Transunion states that I have a major credit deliquency. I have had unsecured credit for 40 years without missing a payment on anything, Credit Cards, Mortages, Car payments, nothing. The report says that a company said I owed them ~ {$1900.00} and have not paid. I called XXXX XXXX  and asked why have they filed the dispute when I dont know anything about this. They said an XXXX XXXXXXXX XXXX XXXXXXXX into credit with them, which I disputed and asked for whatever informaition they had to me for review. They did not. I then disputed the charges with my Bank and with Transunion. Transunion investigated and said I did owe it, without giving me any infomation either other then a statement they determined the dispute was not accepted.

Please assist me with this case of misrepresentation and my credit score being negatively affected without proper investigation and proof. I have no idea what this is.

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 2025-01-11 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: PA

Complaint narrative:
I discovered an unauthorized inquiry on my credit report today, and Im completely frustrated because I dont know how it got there. Refreshing my browser didnt solve the issue, so I urgently need you to carefully review the documents I sent to resolve this problem once and for all.

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 2025-01-11 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 not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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