vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 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.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: CT

Complaint narrative:
On XX/XX/XXXX i purchased {$140.00} with of product from XXXX. They stated they would provide tracking within XXXX days of purchase but never did. I have reached out multiple times and requested they cancelled my order and refund my purchase but they refused. I have wanted to use the gift as a present for XXXX but it wasnt here in time. I then thought i can use the product as a new years gift but it wasnt here in time. I then told my self i can use it as a gift for valentines day but it still isnt here. Today is XX/XX/year> and i havent even received a shipping notification about the product. All i want is to be refunded but they have yet to do so. I reached out to cashapp and they have denied my request multiple times to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: TX

Complaint narrative:
There was a data breach of information. My information should not have been released. I was not notified of any debt that was owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: NM

Complaint narrative:
I am writing to dispute a hard inquiry on my credit report. I believe this inquiry is inaccurate.

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 2025-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Halsted Financial Services, LLC.
State: MI

Complaint narrative:
XXXX  XXXX  keeps emailing me for some debt that I do not owe to them. I never had a contract with them. I requested a copy of the original contract and did not receive anything. I get daily calls and emails about this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Creditors Bureau Associates
State: GA

Complaint narrative:
I requested the information in writing below from CREDIT BUREAU ASSOC OF GA on XX/XX/year> : 1.Proof of Assignment 2.The original SIGNED contract or agreement between myself & CREDIT BUREAU OF GA 3.ALL Account Statements between myself and CREDIT BUREAU ASSOC OF GA 4.Account History : A full & and complete account history of this alleged debt between myself and CREDIT BUREAU ASSOC OF GA 5.Verification of the Amount Owed- A Breakdown of the total amount owed, including any fees, interest, and penalties. The calculation of the debt must be transparent and accurate : To date XX/XX/XXXX I have NOT received a response from CREDIT BUREAU ASSOC OF GA. I received a copy of my consumer credit report ( XX/XX/year> ) and CREDIT BUREAU ASSOC OF GA continues to report a medical debt on my consumer credit report and this is a clear violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: FL

Complaint narrative:
I am filing a formal complaint against TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report. TransUnion have failed to conduct reasonable investigations into my disputes, violating their obligations under federal law. This practice is in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXXi, which mandates a reasonable investigation of consumer disputes. 
Additionally, TransUnion actions may also violate the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) - ( B ), as evidenced by the Consumer Financial Protection Bureau 's ( CFPB ) recent administrative proceeding ( File No. XXXX XXXX ) against them for similar violations. I respectfully request that the CFPB take immediate action to ensure that all parties involved TransUnion with federal law. They must provide clear proof of a reasonable investigation into my disputes and rectify the issues promptly.

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 2025-03-01 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:
This CFPB complaint has been filed to request, pursuant to FCRA XXXX ( 15 U.S.C. XXXX ), that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX, opened on XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX opened on XX/XX/XXXX ; XXXX XXXX XXXX XXXX opened on XX/XX/XXXX ; XXXX XXXXXXXX XXXX opened on XX/XX/XXXX ; XXXX XXXX XXXX XXXX opened on XX/XX/XXXX ; XXXX XXXX XXXX opened on XX/XX/XXXX ; and unauthorized hard inquiries from XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX on XX/XX/XXXX ; Bank of XXXX on XX/XX/XXXX ; and XXXXXXXX XXXX XXXX on XX/XX/XXXX. I have attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts, collections, or hard inquiries as reported. These items appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts and 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 non-monetary relief
Consumer complaint received 2025-03-01 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: SC

Complaint narrative:
After reviewing my recent credit report, I noticed that I have multiple fraudulent collects on my credit report. The fraudulent collections have been reported on my FTC report. The collections have impacted my credit score negatively. I have no knowledge of the fraudulent accounts. Please remove the accounts from my credit profile as they are negatively effecting my report and my ability to obtain new credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I paid my XXXX XXXXXXXX XXXX {$1000.00} for rent each month. I used the XXXX  XXXX XXXX website to pay her via Zelle. In XX/XX/2024, the building 's management informed me she had not paid her rent since XX/XX/2024, meaning she was holding onto my money and refusing to pay the rent. She was eventually taken to court for non-payment of rent, and the landlord is still trying to evict her. 

As a result of this, I was forced out of the apartment and had to seek a new place to live. XXXX never refunded me my money. 

I had paid her the months of XXXX, XXXX, and XXXX before learning she held onto my money : a total of {$3000.00} lost. 

I contacted both XXXX  XXXX XXXX and Zelle to try and recoup my money she held onto. They refused to give me my money back, though they apparently cancelled her Zelle account. Her bank account is with XXXX XXXX. 

I did not know CFPB existed and am filing this complaint now only because I heard of it via XXXX XXXX 's social media.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: NM

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: OPTUM BANK, INC.
State: MN

Complaint narrative:
In 2024 I moved jobs part way through the year which resulted in an excess contribution to my XXXX for the year. Part was at XXXX and the last 70 % or so at Optum Bank. When doing taxes, I noticed and filed an excess withdrawl for Optum on XXXX XXXX, 2025. They said it would take XXXX days and each week I followed up, they said it was being processed, but they were behind. Finally on the last week of XXXX, they responded saying they wouldn't give me the excess because I didn't contribute over the limit with Optum specifically. I know this, but each back alone had under the limit, but together they are over, so I need to get money out or avoid penalties from the IRS. I have sent numerous emails and calls ( which they haven't followed up on when they said they would ) and now we are getting tight on timing. I need them to give me the excess requested in the next few weeks to avoid issues with the IRS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
XXXX XXXX XXXX XXXX and from Cabela 's Club Classic account with Capital One I never had this account and I deal this is not my account never have had a capital one card ever so that's why I prity sure this is not mine the charge was from XX/XX/year> find out why it sayes this is mine I know it does

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: GA

Complaint narrative:
XXXX XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XX/XX/XXXX Dear Consumer Reporting Agency, I am writing to dispute the following information that appears on my consumer report : Dispute 1 Negative Accounts 1. XXXX XXXX Account # : XXXX Type : XXXX XXXX  ( Installment ) Balance : {$1900.00} Past Due Amount : {$1800.00} Payment Status : 120 days past due Recent Late Payments : 90, 60, and 30 days late in recent months 2. XXXX XXXX  I ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : XXXX Type : Debt Buyer ( Collection Account ) Opened : XX/XX/XXXX Derogatory Status : Collection account in default 3. XXXX XXXX Account # : XXXX Type : XXXX XXXX ( Installment ) Status : Closed, was past due 30 days before being paid 4. XXXX XXXX  Account # : XXXX Type : Installment Loan Balance : {$12000.00} Status : Pays account as agreed but reported as derogatory HARD INQUIRIES : XXXX  ( XXXX  Other than Personal ) XX/XX/XXXX XXXX  ( XXXX & XXXX & XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX & XXXX & XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Used ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( All Banks ) XX/XX/XXXX Thank you for your assistance 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 2025-03-01 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:
XXXX XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XX/XX/XXXX Dear Consumer Reporting Agency, I am writing to dispute the following information that appears on my consumer report : Dispute 1 Negative Accounts 1. XXXX XXXX Account # : XXXX Type : XXXX XXXX  ( Installment ) Balance : {$1900.00} Past Due Amount : {$1800.00} Payment Status : 120 days past due Recent Late Payments : 90, 60, and 30 days late in recent months 2. XXXX XXXX  I ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : XXXX Type : Debt Buyer ( Collection Account ) Opened : XX/XX/XXXX Derogatory Status : Collection account in default 3. XXXX XXXX Account # : XXXX Type : XXXX XXXX ( Installment ) Status : Closed, was past due 30 days before being paid 4. XXXX XXXX  Account # : XXXX Type : Installment Loan Balance : {$12000.00} Status : Pays account as agreed but reported as derogatory HARD INQUIRIES : XXXX  ( XXXX  Other than Personal ) XX/XX/XXXX XXXX  ( XXXX & XXXX & XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX & XXXX & XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Used ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( All Banks ) XX/XX/XXXX Thank you for your assistance Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 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: OK

Complaint narrative:
DATA BREACH WITH ALL CREDIT REPORTING AGENCIES INCULDING EQUIFAX, EXPERIAN, TRANSUNION AND XXXX XXXX. DATA BREACH WITH THE SOCIAL SECURITY ADMINISTRATION, DATA BREACH WITH THE DEPARTMENT OF TREASURY, DATA BREACH WITH THE INTERNAL REVENUE SERVICE HAS BEEN REPORTED AS A VICTIM OF DEFAMATION, FINANCIAL INJURY, AND FCRA Section605 ( c ), Section 611 Part ( A ) ( 1 ). This complaint is NOT AN ATTEMPT TO DISPUTE any part of these fraudulent accounts BUT A LEGAL AND LAWFUL DEMAND. These agencies are civilly liable pursuant to 15 U.S.Code 1681n, Commerical Law,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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:
XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX  Experian, TransUnion , and Equifax Subject : Request for Removal of Unverifiable Account Compliance with FCRA & FDCPA To Whom It May Concern, I am writing to formally request the removal of an unverifiable charge-off account from XXXX XXXXl, originally reported on my credit file. The details of the disputed account are as follows : Creditor : XXXX XXXX  Account Number : XXXX Amount : {$26000.00} On XX/XX/year>, I submitted a dispute regarding this account with XXXX, as I believed it was inaccurate and/or unverifiable. XXXX completed their investigation on XX/XX/year> and subsequently deleted the account from my credit report. Due to this deletion, it is evident that the account could not be verified, and as such, I am requesting that Experian, TransUnion, and Equifax immediately remove this unverifiable account from my credit report as well.

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681i ( a ) ( 5 ) ( A ), if an account is disputed and subsequently found to be unverifiable, it must be deleted from the consumers credit report. If XXXX, a recognized nationwide specialty consumer reporting agency, was unable to verify the account and therefore removed it, Experian, TransUnion, and Equifax are also required to follow suit to ensure compliance with the law. 

Additionally, the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692e prohibits any false or misleading representation of debt. Keeping an account on my credit file that has been proven unverifiable constitutes a violation of this provision. 

I formally request that Experian, TransUnion, and Equifax remove this account within 30 days, as required by law. Failure to comply may result in further legal action, including but not limited to a complaint filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potential litigation under FCRA 15 U.S. Code 1681n and 1681o, which provide for statutory damages, actual damages, attorney fees, and punitive damages for non-compliance.

Please confirm in writing when this unverifiable account has been removed from my credit report. If this request is denied, please provide a detailed explanation and the method used to verify the accuracy of the account. 

Thank you for your prompt attention to this matter. 

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 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX  Experian, TransUnion , and Equifax Subject : Request for Removal of Unverifiable Account Compliance with FCRA & FDCPA To Whom It May Concern, I am writing to formally request the removal of an unverifiable charge-off account from XXXX XXXXl, originally reported on my credit file. The details of the disputed account are as follows : Creditor : XXXX XXXX  Account Number : XXXX Amount : {$26000.00} On XX/XX/year>, I submitted a dispute regarding this account with XXXX, as I believed it was inaccurate and/or unverifiable. XXXX completed their investigation on XX/XX/year> and subsequently deleted the account from my credit report. Due to this deletion, it is evident that the account could not be verified, and as such, I am requesting that Experian, TransUnion, and Equifax immediately remove this unverifiable account from my credit report as well.

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681i ( a ) ( 5 ) ( A ), if an account is disputed and subsequently found to be unverifiable, it must be deleted from the consumers credit report. If XXXX, a recognized nationwide specialty consumer reporting agency, was unable to verify the account and therefore removed it, Experian, TransUnion, and Equifax are also required to follow suit to ensure compliance with the law. 

Additionally, the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692e prohibits any false or misleading representation of debt. Keeping an account on my credit file that has been proven unverifiable constitutes a violation of this provision. 

I formally request that Experian, TransUnion, and Equifax remove this account within 30 days, as required by law. Failure to comply may result in further legal action, including but not limited to a complaint filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potential litigation under FCRA 15 U.S. Code 1681n and 1681o, which provide for statutory damages, actual damages, attorney fees, and punitive damages for non-compliance.

Please confirm in writing when this unverifiable account has been removed from my credit report. If this request is denied, please provide a detailed explanation and the method used to verify the accuracy of the account. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

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 2025-03-01 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Blackhawk Network Holdings Inc.
State: MD

Complaint narrative:
I received XXXX XXXX XXXX application / purchase verification from CashStar but I did not make the purchase, however the name is under me and my family and not sure whos credit card are being charged too. 

I suspect leak of personal identification info

Company response to consumer: Closed with explanation