vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: DISCOVER BANK
State: IL

Complaint narrative:
DISCOVER CARD ADDED TO MY CREDIT PROFILE WITHOUT MY AUTHORIZATION, A BANKRUPRTY REPORTING TO MY REPORT, XXXX XXXX  CARD THATS NOT AUTHORIZED TO BE ON MY PROFILE. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NV

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 there 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 Funds 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 2025-02-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Approve Holdings, Inc
State: NY

Complaint narrative:
I received a letter from XXXX XXXX that said I was eligible for a lower interest rate. I immediately was drawn in because they said I could get it at XXXX %, and I am currently paying XXXX %. They said no problem, ran my credit, and texted me they found a lender at a lower rate by not near the XXXX %, so i wouldn't have went with them. I would have waited or explored other options. Now they ran my credit, have my social security number, and all my personal information, and they are not calling me back. XXXX XXXX sent me a letter with false hope on the rate. They should honor what they wrote in the letter. I wouldn't have given all my personal infor and social security if I knew they werent going to hold to the rate in their letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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 filed a dispute regarding incorrect information on my credit report. However, I received an email from the credit bureau stating that they believe the disputes are originating from a third party. This is not the case, as the disputes were filed directly by me. I even contacted them to confirm my identity, but despite this, they still refused to process my disputes. 

I have wasted both time and money mailing my disputes, as well as sending personal information to verify my identity. Unfortunately, they did not conduct a thorough investigation into my claims.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dispute of Incorrect Addresses and Phone Numbers on Credit Report Dear Sir/Madam, I am writing to formally dispute certain information on my credit report, specifically old or incorrect addresses and phone numbers that appear under my personal details. These outdated or incorrect entries are inaccurately affecting my credit report, and I request that they be corrected and removed in accordance with the Fair Credit Reporting Act ( FCRA ). 

The addresses and phone numbers I am disputing are as follows : Disputed Addresses : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX Date Reported : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX Date Reported : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Date Reported : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Date Reported : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Date Reported : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Date Reported : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX Date Reported : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Date Reported : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Date Reported : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Date Reported : XX/XX/XXXX XXXX. XXXX XXXX XXXX AV, XXXX XXXX, XXXX  XXXX Date Reported : XX/XX/XXXX Disputed Phone Numbers : 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 The phone number listed is outdated and not associated with me. I respectfully request that it be investigated and removed from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate this matter within 30 days of receiving this dispute and provide me with the results of the investigation. I would appreciate it if you could confirm the removal of this incorrect phone number from my credit report. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation that these inaccuracies have been corrected. 

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 2025-02-04 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 writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXXXXXX XXXX XXXXXXXX Account # : XXXX XXXXXXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, 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 2025-02-04 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:
MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX AND XXXX DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . 

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN XXXX BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$XXXX} PER VIOLATION AND LEGAL 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 2025-02-04 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: FL

Complaint narrative:
XXXX XXXX is reporting false delinquency on a paid-in-full account to Equifax and TransUnion in violation of the FCRA ( 15 U.S.C. 1681s-2 ).

Equifax and TransUnion are failing to ensure maximum accuracy ( 15 U.S.C. 1681e ( b ) ) and have not corrected the errors within 30 days ( 15 U.S.C. 1681i ).

The inaccurate reporting is causing financial harm. Stopping me from purchasing a home

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 2025-02-04 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: FL

Complaint narrative:
XXXX XXXX is reporting false delinquency on a paid-in-full account to Equifax and TransUnion in violation of the FCRA ( 15 U.S.C. 1681s-2 ).

Equifax and TransUnion are failing to ensure maximum accuracy ( 15 U.S.C. 1681e ( b ) ) and have not corrected the errors within 30 days ( 15 U.S.C. 1681i ).

The inaccurate reporting is causing financial harm. Stopping me from purchasing a home

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Dispute Regarding Illegal Reinsertion of Information in My Credit Report Dear Sir/Madam, I am writing regarding dispute report No. XXXX, dated XX/XX/year>, in which you confirmed the removal of certain negative accounts from my credit report, specifically : * XXXX CARD ( XXXX ) Deleted * XXXX BANK ( XXXX ) Deleted However, I have discovered that these same accounts have been reinserted into my credit report without proper notification and without compliance with the requirements set forth in the Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

Legal Basis for My Dispute 1. Violation of FCRA 1681i ( a ) ( 5 ) ( B ) * According to this section of the FCRA, if an item is deleted from a credit report as a result of a dispute and is later reinserted, the XXXX XXXX XXXX ( Experian ) must notify me within XXXX days of the reinsertion and provide the name and address of the information provider. 
* I have not received such a notification, which constitutes a violation of the law.

2. Violation of TILA and Deceptive Practices * The reinsertion of previously deleted information without clear justification and without my consent may be considered a deceptive practice under the Truth in Lending Act ( TILA, 15 U.S.C. 1601 et seq. ), designed to protect consumers from inaccurate credit reporting and manipulative actions by credit agencies.

3. Failure to Follow Verification Procedures * If Experian reinserted this information based on data provided by the original creditor, I have the right to receive a full and detailed verification of the alleged debt under the FCRA. If you can not provide valid and verifiable documentation, this information must be removed immediately.

Immediate Action Requested Based on the above, I demand that Experian : 1. Immediately remove the reinserted accounts from my credit report, as their reintroduction violates the FCRA.

2. Provide me with a detailed explanation of why these accounts were reinserted and what information was used to justify such action.

3. Send me a copy of all correspondence, documentation, and evidence used for the reinsertion of these accounts.

4. Cease and desist from any future reinsertion of these items without my explicit consent and without following proper legal procedures.

If I do not receive a satisfactory response within 15 days of your receipt of this letter, I will file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as consider taking legal action against you for damages.

I expect your prompt response and a favorable resolution 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 explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IN

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( XXXX ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive as they did not comply with resolution requirements under the Electronic Fund Transfer Act ( XXXX ) and regulations XXXX These actions has caused a significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: TX

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : NAME OF ACCOUNT : XXXX. XXXX XXXX SERVICES/ ACCOUNT NUMBER : XXXX INQUIRIES XXXX. XXXX XXXX XXXX XXXX XXXX. 
XXXX. XXXX, XX/XX/year>. 
XXXX. XXXX XXXX XXXX XXXX, XX/XX/year>. 
XXXX. XXXX & XXXX XXXX, XXXX XXXX. 
XXXX. XXXX XXXXXXXX XXXX XXXX XXXX  XXXX. 
XXXX. XXXX XXXX XXXX, XX/XX/year>. 
XXXX. XXXX XXXX, XX/XX/year>. 
XXXX. XXXX XXXX, XX/XX/year>. 
XXXX. XXXX XXXX XXXX, XX/XX/year>. 
XXXX. XXXX XXXX. XXXX XXXX, XX/XX/year>. 

As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Trans union, continues to report charges off debt, that has been credited by the IRS/federal government, meaning debt has been paid. 

Any and all charge offs have no legal validity to remain on credit report. This report is misleading, false, and inaccurate by appearing on XXXX XXXX XXXX credit report as a debt that has not been paid.

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 2025-02-04 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: IL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I information was leaked and was part of the Equifax data breach

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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:
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 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 2025-02-04 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: NC

Complaint narrative:
I am filing a compiaint against Equifax for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, 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 ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. Multiple collection accounts on my credit report have been marked as inaccurate. 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