vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: CO

Complaint narrative:
Since the summer of last year, my Cash App account has been locked following a scam in which I was defrauded. I made multiple attempts to contact Cash App for assistance in resolving the issue and potentially recovering the lost funds. Each time, I was told the responsibility fell on my bank, though they assured me my account would be reviewed. 
My bank, however, stated that because the incident occurred on a third-party app, it is Cash Apps responsibility to issue the refund. Despite my efforts to follow up, I never received a clear answer or guidance on regaining access to my account. 
On or around XX/XX/XXXX, I contacted Cash App again and requested to speak with a supervisor. I was informed that there is no direct line for a supervisor, but one would review my account and follow up via email. I never received any further communication, and shortly afterward, my account was closed entirely. 
Because my Social Security Number is linked to the closed account, I am unable to create a new one, which has severely impacted my ability to receive funds, including money from my mother for college expenses. Instead of providing meaningful support, Cash App has consistently deflected responsibility and made the situation unnecessarily difficult. I am requesting assistance in resolving this matter and recovering access to my account, as well as lost funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are fraudulent items listed on my credit report from which I received no benefit and to which I never consented. I have already reported this identity theft to the Federal Trade Commission, yet these items remain unresolved and continue to damage my credit profile. This issue demands immediate attention and removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have attempted multiple times to unfreeze my credit report through Experian, Equifax, or TransUnion. Despite calling and confirming with their representatives that there is nothing wrong, I am still unable to successfully unfreeze my credit file. 

Because of this unresolved issue : I was previously denied housing due to the severity of the freeze I am now unable to proceed with a background check for a contract with XXXX XXXX XXXX XXXX XXXX, which is delaying my ability to work as a licensed insurance agent. This issue has negatively impacted both my personal life and professional opportunities. I have made multiple good faith attempts to resolve this directly with the bureau, and they have failed to take meaningful 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 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have attempted multiple times to unfreeze my credit report through Experian, Equifax, or TransUnion. Despite calling and confirming with their representatives that there is nothing wrong, I am still unable to successfully unfreeze my credit file. 

Because of this unresolved issue : I was previously denied housing due to the severity of the freeze I am now unable to proceed with a background check for a contract with XXXX XXXX XXXX XXXX XXXX, which is delaying my ability to work as a licensed insurance agent. This issue has negatively impacted both my personal life and professional opportunities. I have made multiple good faith attempts to resolve this directly with the bureau, and they have failed to take meaningful 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 2025-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-04-18 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: NY

Complaint narrative:
I am filing a complaint against TransUnion for failing to conduct a proper investigation into my disputes and for accusing me of using an unauthorized third party to submit my requests. Additionally, TransUnion failed to respond to my second dispute letter. I mailed two separate dispute letters to TransUnion, disputing inaccurate personal information and accounts on my credit report.

To ensure my identity was properly verified, I included the following documents with my dispute : A copy of my government-issued ID A copy of my Social Security card A recent bill showing my current address The first letter was mailed on XXXX XXXX ( XXXX XXXX mail tracking number XXXX ), and I received a response dated XX/XX/year>. The response stated : " We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. '' In response, I mailed a second dispute letter dated XX/XX/year>. However, as of today, I have yet to receive any acknowledgment or response from TransUnion regarding this correspondence. 
According to the Fair Credit Reporting Act ( FCRA ), TransUnion is required to conduct a reasonable reinvestigation of any disputed information in a consumer 's file. It appears that TransUnion has violated my consumer rights by failing to investigate my disputes, falsely accusing me of using an unauthorized third party, and not responding to my second dispute.

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 2025-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: MD

Complaint narrative:
MOHELA open a loan with out my knowledge when i never knew i had and said i was 119 days late. I had a scholarship For school i never took out a loan at all. They are saying i have a contract with them. I have never had any contact with them ever. I do not nor have i ever had a contract with MOHELA. This is a breach of my information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: CT

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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.

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 2025-04-18 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: PA

Complaint narrative:
I am filing this formal complaint against Flagship Credit Acceptance for knowingly and willfully reporting inaccurate, incomplete, and unverifiable information to the credit reporting agencies TransUnion, Experian, and Equifax in violation of FCRA 602, 605, 607, 609, 611, and 623, as well as Truth in Lending Act ( TILA ) and UCC 3-501. 

The account in question ( Auto Loan # XXXX ) is reported as a derogatory charged-off account, yet : There is no original signed contract or promissory note proving I consented to the terms of this debt a clear violation of FCRA 609 ( a ) ( 1 ) and UCC 3-501 . If you can not produce my wet ink signature and original documentation, you have no right to report this debt.

The account continues to update monthly after it was charged off in 2022, which is known as re-aging the debt, an illegal practice under FCRA 605 ( c ).

The high credit amount is inconsistent across bureaus ( Equifax shows {$14000.00} vs {$19000.00} on TransUnion and Experian ), which violates 623 ( A ) ( 1 ) ( A ) for furnishing inaccurate data.

Equifax shows no payment history ( all K indicators ) while TransUnion and Experian show derogatory charge-offs further proof that the data is not accurate, complete, or consistent.

The account is noted as disputed, yet derogatory data continues to report monthly this contradicts FCRA 611 ( b ), and the data must be either corrected, removed, or clearly marked as unresolved.

I never received any Truth in Lending Act ( TILA ) disclosures at the time of the alleged agreement, which makes this contract non-compliant and legally unenforceable.

No IRS 1099-C was issued for the charge-off amount of {$7500.00}. This violates IRS Pub 4681, and suggests that XXXX may be misreporting their losses for tax advantages, while still pursuing me for a debt they wrote off. 
Due to these numerous and serious violations, I am demanding the immediate deletion of this account from all three credit bureaus. If this is not resolved within 15 days, I will escalate this matter further with legal counsel, the FTC, and the Attorney General. 

I am documenting violations for legal remedy and FTC escalation.

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 2025-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
I had applied for an was approved for a line of credit for which I used to purchase a laptop via dell, financing via comenity bank. This was in XXXX, mid year. I was laid off unexpectedly XX/XX/XXXX. I had paid my bill on time like my other bills until I literally ran out of money, unemployment ended etc. at that time, I was actively applying for jobs, applied for over XXXX jobs with XXXX interview. I finally got a job but it was at a reduced pay amount, I loss XXXX in income and am still in this situation. I have had to choose what my small income is put towards, in the order of my house payment, hoa payment, electric, utilities, gas, food. I have been making $ XXXX payments as I am able to Dell Pay/Credit via comenity bank usually once a month, see history : Payment Details Payment Amount XX/XX/XXXX Payment from XXXX {$10.00} XX/XX/XXXX XXXX from XXXX 's checking {$10.00} XX/XX/XXXX Payment from XXXX 's checking {$20.00} XX/XX/XXXX Payment from XXXX 's checking {$20.00} XX/XX/XXXX Payment from XXXX 's checking {$34.00} XX/XX/XXXX Payment from XXXX 's checking {$67.00} XX/XX/XXXX Payment from XXXX 's checking {$34.00} XX/XX/XXXX Payment from XXXX 's checking {$34.00} XX/XX/XXXX Payment from XXXX 's checking {$26.00} XX/XX/XXXX Payment from XXXX 's checking {$27.00} XX/XX/XXXX Payment from XXXX 's checking {$28.00} I am currently behind and my minimum payment as a result went from {$28.00} to currently {$170.00} due. Commenity bank agents call me all days of the week, multiple times a day. I have over XXXX calls from them today. I have explained I am doing all I can, and will eventually pay it, but they continue to harrass me leaving voicemails and back to back calls in same day. I have advised them I am paying still, please do not call me so much and they ignore my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: AZ

Complaint narrative:
This letter serves as a formal follow-up to my previous correspondence regarding your agency 's ongoing refusal to comply with the Fair Credit Reporting Act ( FCRA ), specifically in connection with my properly filed identity theft report submitted through IdentityTheft.gov. 

To date, your agency has not provided any satisfactory justification for rejecting this report, nor have you taken the necessary steps to investigate or remove the clearly fraudulent accounts listed below from my credit file. As reiterated in my prior letter, federal lawincluding FCRA Section 605B and Section 617requires you to accept valid identity theft reports from consumers, including those submitted through the Federal Trade Commissions IdentityTheft.gov platform. Nowhere does the law require that such reports originate solely from a law enforcement agency. 

Your continued rejection of my legally sufficient identity theft affidavit is not only unsupported by federal law but also constitutes willful noncompliance with the FCRA. This failure to act in accordance with clearly established legal procedures and CFPB guidance reflects blatant disregard for my rights as a consumer and victim of identity theft. Let me be clear : This is your final notice. You are in violation of federal law by continuing to report and verify accounts that were opened fraudulently and which I have already disputed with appropriate documentation. 

If I do not receive confirmation within 15 calendar days that these accounts have been permanently removed and that my credit file has been updated to reflect the resolution of this matter, I will proceed to : 1.File formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General. 

2.Initiate legal action for your violations of FCRA Section 617 and for any damages sustained as a result of your unlawful reporting and failure to investigate. 

XXXX XXXXXXXX

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 2025-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

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 non-monetary relief
Consumer complaint received 2025-04-18 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: CT

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries : 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 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