vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-27 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: TX

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 2025-03-27 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: Experian Information Solutions Inc.
State: MD

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 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 2025-03-27 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: TX

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-03-27 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-27 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 2025-03-27 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: NV

Complaint narrative:
Here is the list of fraudulent inquiries : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXX/XX/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 2025-03-27 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: CA

Complaint narrative:
On XXXX  two unauthorized transactions were processed, which I immediately disputed appropriately 20 minutes after they occurred. On XXXX  I received an email stating that the claims were both denied as I had authorized the transactions. I contacted Cash App support through the app once again informing them that I did not make these transactions, I did not authorize such transactions, that my card was locked during the time these transactions were made and that I was requesting all documentation showing how they came to deny my claims. I had provided my device information at their request so that they could verifiy the transactions. Something they obviously didnt bother to investigate. I was informed that the funds were not through my debit card but through my cashtag or Cash App Pay. I asked what that was and I was told that I had used my cashtag for the purchases. I informed them that I knew nothing about cashtag purchasing or the Cash App Pay option. So they instructed me where I could locate the information in the app and I went in and immediately blocked the merchant. I also deleted my debit card information from my online account with this merchant as I had just used my debit card with them the day prior to make a purchase. I never at any time processed any payments using my cashtag. On today, XXXX I received the email from Cash App which containted the so called documentation for which the denial determination was made. It indicates that they reviewed my account history and transactions along with my account settings, which doesnt indicate anything with regards to the claims I had filed. Then I was informed that Cash App would have contacted the merchant for a refund and if the merchant denies the request so would Cash App. However, there was no documentation sent to me showing that they contacted the merchant or that the merchant even denied the refunds. This isnt the first time Cash App has not fully investigated a claim for unauthorized transactions on my account. I filed one other claim about a year and a half ago and had that to denied even after I provided proof that the merchant had already been paid through my actual bank account and I have not used this merchant since this issue occured. Bottom line, I did not authorize or make these transactions. I have done all I can to provide proof the transactions were unauthorized, I have previously locked my card to prevent such transactions from happening, I have since blocked the merchant and removed all payment information from my online account with this merchant. I provided my device information at their request. I need to have my funds refunded. And Cash App needs to do more when investigating dispute claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I tried to send money from cashapp to XXXX and the money was in the " processing '' phase of paypal but it never went through, and I canceled the transaction on paypal but the money never went back to cashapp and i have contacted both companies about the situation and each company tells me to contact the other company. Now my money is in limbo and it has been for the past two weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XXXX XXXX XXXX, I submitted a written dispute to the credit bureaus regarding a debt reported by XXXX XXXX XXXX. The account in question was marked as paid and closed, but a subsequent collection for a reduced amount was later reported by XXXX XXXX XXXX, indicating that the original debt was sold. 

Despite the debt being sold, the original creditor XXXX XXXX XXXX XXXX ) continued to report the balance, resulting in duplicate reporting of the same obligation. This is misleading and inaccurate under the Fair Credit Reporting Act ( FCRA ). 

The dispute letters requested : Investigation of the reporting. 

Removal or correction of inaccurate entries. 

Written confirmation of the investigation results. 

The letters were sent to XXXX and Equifax and included all supporting documentation ( account statements, collection letters, and proof of the debt sale ). 

Follow-Up Actions Taken : As of more than 30 days later, I have not received any response or verification from the credit bureaus or the data furnishers. I sent a second letter ( follow-up dispute ) citing violations of the FCRA and FDCPA, including : 15 U.S.C. 1681i Failure to investigate disputed information.

15 U.S.C. 1681s-2 Responsibilities of furnishers.

15 U.S.C. 1681e ( b ) Lack of reasonable procedures to ensure accuracy.

15 U.S.C. 1692e and 1692g Failure to verify debt and misleading representations. 

The continued inaction is damaging my credit and violating my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: TX

Complaint narrative:
On XXXX XXXX XXXX, I submitted a written dispute to the credit bureaus regarding a debt reported by XXXX XXXX XXXX. The account in question was marked as paid and closed, but a subsequent collection for a reduced amount was later reported by XXXX XXXX XXXX, indicating that the original debt was sold. 

Despite the debt being sold, the original creditor XXXX XXXX XXXX XXXX ) continued to report the balance, resulting in duplicate reporting of the same obligation. This is misleading and inaccurate under the Fair Credit Reporting Act ( FCRA ). 

The dispute letters requested : Investigation of the reporting. 

Removal or correction of inaccurate entries. 

Written confirmation of the investigation results.

The letters were sent to TransUnion and Equifax and included all supporting documentation ( account statements, collection letters, and proof of the debt sale ). 

Follow-Up Actions Taken : As of more than 30 days later, I have not received any response or verification from the credit bureaus or the data furnishers. I sent a second letter ( follow-up dispute ) citing violations of the FCRA and FDCPA, including : 15 U.S.C. 1681i Failure to investigate disputed information.

15 U.S.C. 1681s-2 Responsibilities of furnishers.

15 U.S.C. 1681e ( b ) Lack of reasonable procedures to ensure accuracy.

15 U.S.C. 1692e and 1692g Failure to verify debt and misleading representations. 

The continued inaction is damaging my credit and violating my consumer rights.

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 2025-03-27 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: IL

Complaint narrative:
The credit bureaus verified this public record as accurate without proper verification. The Clerk of the court has stated in a letter below that they do not provide any information to the credit bureaus. XXXX and other data analytics companies are not government agencies and therefore can not validate this public record. The credit bureaus are violating permissible purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-03-27 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-27 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: CA

Complaint narrative:
I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights

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 2025-03-27 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: VA

Complaint narrative:
XXXX XXXX XXXX is the name of the account on my Credit reports The account was not verified I filled a complaint with the CFPB on this company they sent in a un signed contract an they have nothing stating that this account belongs to me The account should have never been allowed to be put on my Credit reports with out verification I filled a dispute but it has not been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I am writing to formally demand that you cease and desist from reporting any inaccurate, misleading, or unauthorized derogatory marks and collections on my credit report. Upon reviewing my credit file, I discovered that your company has reported negative information that I believe to be inaccurate, unverifiable, or improperly placed in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1681b.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-03-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: OR

Complaint narrative:
On XX/XX/XXXX, my auto payment for my student loan with MOHELA was reversed. I was not notified by MOHELA that this payment was reversed, and because I was enrolled in auto pay, I reasonably believed that my payments were continuing to process normally. I did not receive any alerts, emails, or other forms of communication informing me of a failed or missed payment. 

MOHELA did not attempt to retry the auto payment after it was reversed, and they did not notify me of any issue with my account or payment status. As a result, I continued to assume my payments were being made. On XX/XX/XXXX, I checked my account and saw that multiple months of payments had not gone through. As soon as I realized this, I immediately made a large payment to cover the entire missed balance. 

Despite my good faith effort and the lack of notification or retry attempts on their part, MOHELA reported the missed payments to the credit bureaus, negatively impacting my credit report. I believe this is unfair and misleading, especially given that I was enrolled in auto pay, received no notice of a problem, and was not given a chance to remedy the situation until I discovered it myself months later.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc.
State: CT

Complaint narrative:
On XX/XX/year>, I also discovered that an account with The CBE Group Inc. ( formerly XXXX ) was reported on my credit report. The reported balance is {$500.00}, and it was opened on XX/XX/year>. Again, I have not had any interactions with this company and was not aware of this account being opened in my name. 

I contacted The CBE Group Inc. ( formerly VAC ) on XX/XX/year> to dispute the accounts. I request that these accounts be thoroughly investigated and removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
XX/XX/scrub>XXXX A person posing as a military personnel asking for help for money only to find out they were scamming others. I was scammed into {$5300.00} to transfer to a XXXX XXXX account multiple times. And reported that to my bank and also XXXX XXXX to refund the amount. Which they XXXX XXXX told me I could not received my refund.

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 2025-03-27 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.
State: CA

Complaint narrative:
There are multiple inaccuracies on my credit report that must be removed without delay. Some contain incorrect details that do not match my records, others are entirely unfamiliar, and several have been reported without proper verification. These discrepancies violate the FCRA, which requires all information to be 100 % accurate and backed by legitimate documentation. 

To resolve this matter fairly, I demand that all inaccurate items be permanently removed from my credit report. If the reporting entities can not provide legitimate proof confirming their accuracy, they have no legal right to remain on my file. I expect immediate corrective action to restore the integrity of my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: GA

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit report.

Company response to consumer: Closed with non-monetary relief