vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-23 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: TN

Complaint narrative:
I bought an Incomm Vanilla Visa gift card at XXXX XXXX, upon trying to use it first time, it's failed. I tried to check the balance online, and the card was not recognized. 
I called customer service on XX/XX/year> and they asked me to submit the following documents : XXXX. Copy of a driver license XXXX front and back of the gift card XXXX receipt from the store, I provided everything right away to the email specified : XXXX They told me to wait XXXX hours, I haven't heard from them ever since. I tried calling multiple times, and they still said to wait.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removeddisputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights 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 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Dear Equifax, I am writing to formally dispute several accounts that continue to appear on my credit report, despite your previous investigation. 

These accounts are inaccurate and in violation of my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). These inaccuracies are severely damaging my credit score. In accordance with the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsections A-D, I am requesting a reinvestigation of these accounts. 

I kindly request that you validate the information with the data furnisher and remove any inaccurate or unverified information. Below are the details of the accounts I am disputing : Account Name : Credit Collection Service Account Number : No account # listed Amount : {$530.00} Dispute : This account does not appear on my credit reports from other credit bureaus. Please investigate its completeness and accuracy. If found inaccurate or unverified, remove it from my credit report. 

Account Name : XXXX XXXX Account Number : XXXX Amount : {$8000.00} Dispute : Please investigate the completeness and accuracy of this account. If found inaccurate, remove it from my credit report. 

Please provide me with a detailed response to this dispute, including your findings and any actions taken. If no changes are made, please provide the specific documentation used to verify the accuracy of each account. Thank you for your prompt attention to this matter. I look forward to your response within the timeframe allowed under the FCRA. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: FL

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submission, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act, 15 USC 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act, 12 U.S.C 5536a1a-b as highlighted in the CFPB recent administration proceeding against the, for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MD

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 2025-01-23 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: NY

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX OF XXXX # XXXX XX/XX/XXXX -- {$130.00} XXXX # XXXX XX/XX/XXXX -- {$610XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$41000.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$1400.00XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$1100.00} XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XX/XX/year> XXXX XXXX XXXXXXXX Subject : Request for Account Details Dear Sir/Madam, I am writing regarding the account listed under my credit report with the following details : Account Number : XXXX Creditor Name : XXXX BANK XXXX XXXX XXXX XXXX to clarify that I am not disputing this account. However, I kindly request the following information for my records : XXXX. The Date of First Delinquency for this account. 
XXXX. The Date of Last Payment made on this account. 
XXXX. The Date of XXXX for this account. 

Please provide the requested information in writing at your earliest convenience. I appreciate your cooperation in this matter. 
Thank you for your prompt attention to this matter. 

Sincerely XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XX/XX/2025 XXXX BANK XXXX Subject : Request for Account Details Dear Sir/Madam, I am writing regarding the account listed under my credit report with the following details : Account Number : XXXX Creditor Name : XXXX BANK XXXX XXXX XXXX XXXX to clarify that I am not disputing this account. However, I kindly request the following information for my records : XXXX. The Date of First Delinquency for this account. 
XXXX. The Date of Last Payment made on this account. 
XXXX. The Date of XXXX for this account. 

Please provide the requested information in writing at your earliest convenience. I appreciate your cooperation in this matter. 
Thank you for your prompt attention to this matter. 

Sincerely XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: TX

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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX Bank account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2025-01-23 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-23 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: CA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
In XXXX, my Cash App account was hacked, leading to unauthorized transactions and a breach of my personal information. When I discovered the fraudulent activity, I reached out for help using the support icon in the app and attempted to dispute the transactions. However, the resolution provided by Cash App was unsatisfactory, as I was only advised to set up a new Cash App handle and card rather than receiving meaningful assistance in recovering my funds or securing my account. 

I also want to highlight that, not only did I not get my money back, but there was no accessible way to speak with a live representative. The only support option available was through the in-app chat, which was insufficient in resolving my concerns. 



I believe this incident highlights the weak security measures within Cash Apps systems, which allowed fraudsters to access my account and caused significant financial loss and inconvenience. This aligns with the broader concerns raised by the CFPB regarding Cash Apps inadequate protections against fraud. I am seeking accountability for the financial loss and the disruption this incident caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I have already submitted information about this complaint to Experian and XXXX XXXX XXXX, I'm just uploading my identity theft report.

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 2025-01-23 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: NH

Complaint narrative:
On XX/XX/year>, I spoke with XXXX, an Experian XXXX, regarding my FCRA XXXX Identity Theft Fraud Block request, which included all necessary supporting documentation. Despite my compliance with legal requirements, Experian improperly closed my dispute without conducting any investigation, violating FCRA 611 ( 15 U.S.C. 1681i ), which mandates a proper reinvestigation of disputed information. XXXX, referencing XXXX # XXXX, informed me that I must contact the creditors to verify the disputed information, effectively shifting the investigation responsibility to me. This mirrors recent allegations by the CFPB against Experian for failing to conduct proper investigations and removing or reinserting errors on credit reports, which threaten consumers ' access to credit, employment, and housing. I am providing the documentation for the fraudulent items on my credit report, including a reinstated XXXX XXXX account ( Account # XXXX ) and XXXX XXXX XXXX Account # ( XXXX ), and request that the CFPB investigate Experian 's XXXX to uphold its legal obligations. Attached are my previous dispute requests and proof of Experian 's failure to investigate, and I request that these items be blocked and removed within four days of receipt. Previous CFPB Complaint # 's XXXX and 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 2025-01-23 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
I tried to agree on a fair payment for the service since the amount is incorrect right now and also to be able to make fair payments but I have been denied everything. 

They forced me to stay an extra night at the hospital since doctor " forgot '' to sign my paperwork, nurse was watching a game on the phone while giving me my medication, they didn't have a doctor for my surgery and just keep giving me medicine for the pain ( which it wasn't my fault or responsibility ) now they tried to charge for all that, I wanted to leave to go to another hospital and they didn't let me either. 

I have the worst treatment ever in my life and after that I tried to talk to someone on the hospital and they didn't want to, sent letter to all the managers and people in charge to try to get an answer and nothing.

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 2025-01-23 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: NH

Complaint narrative:
On XX/XX/2025, I spoke with XXXX, an Experian XXXX, regarding my FCRA XXXX Identity Theft Fraud Block request, which included all necessary supporting documentation. Despite my compliance with legal requirements, Experian improperly closed my dispute without conducting any investigation, violating FCRA 611 ( 15 U.S.C. 1681i ), which mandates a proper reinvestigation of disputed information. XXXX, referencing XXXX # XXXX, informed me that I must contact the creditors to verify the disputed information, effectively shifting the investigation responsibility to me. This mirrors recent allegations by the CFPB against Experian for failing to conduct proper investigations and removing or reinserting errors on credit reports, which threaten consumers ' access to credit, employment, and housing. I am providing the documentation for the fraudulent items on my credit report, including a reinstated XXXX XXXX account ( Account # XXXX ) and XXXX XXXX XXXX Account # ( XXXX ), and request that the CFPB investigate Experian 's XXXX to uphold its legal obligations. Attached are my previous dispute requests and proof of Experian 's failure to investigate, and I request that these items be blocked and removed within XXXX days of receipt. Previous CFPB Complaint # 's XXXX and 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 2025-01-23 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: NH

Complaint narrative:
On XX/XX/year>, I spoke with XXXX, an Experian XXXX, regarding my FCRA XXXX Identity Theft Fraud Block request, which included all necessary supporting documentation. Despite my compliance with legal requirements, Experian improperly closed my dispute without conducting any investigation, violating FCRA 611 ( 15 U.S.C. 1681i ), which mandates a proper reinvestigation of disputed information. XXXX, referencing XXXX # XXXX, informed me that I must contact the creditors to verify the disputed information, effectively shifting the investigation responsibility to me. This mirrors recent allegations by the CFPB against Experian for failing to conduct proper investigations and removing or reinserting errors on credit reports, which threaten consumers ' access to credit, employment, and housing. I am providing the documentation for the fraudulent items on my credit report, including a reinstated Capital XXXX account ( Account # XXXX ) and XXXX XXXX XXXX Account # ( XXXX ), and request that the CFPB investigate Experian 's failure to uphold its legal obligations. Attached are my previous dispute requests and proof of Experian 's failure to investigate, and I request that these items be blocked and removed within XXXX days of receipt. Previous CFPB Complaint # 's XXXX and 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 2025-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I received a notice of a lawsuit filed in XXXX XXXX by a debt collection agency. I am not familiar with this agency, and I was not given the chance to properly verify the debt. I do not owe any money to this company and have no business dealings with them. It is unjust for this company to be allowed to file a lawsuit without giving the consumer the opportunity to verify the legitimacy of the debt..

Company response to consumer: Closed with explanation