vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I am submitting this formal complaint regarding the unfair and harmful practices of XXXX and Early Warning Systems ( EWS ), which have unjustly impacted my access to personal and business banking and funding opportunities. Despite having an excellent XXXX XXXX and no prior issues opening or maintaining bank accounts, I have recently been denied access to financial services due to information reported by these agencies. This denial has caused significant hardship and stalled my business operations. 

I have taken extensive steps to address this matter, including opting out of their reporting services and directly disputing any inaccurate or unverifiable information they claim is associated with my accounts. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ), these agencies are legally required to investigate and correct or delete any inaccurate, incomplete, or unverifiable information. I have requested proof of validity regarding the errors they allege and proof of any accounts they claim I am associated with on multiple occasions. Despite my repeated efforts and the documentation I provided, including proof of my identity and the circumstances surrounding this issue, they have failed to comply with these legal obligations and have not validated their claims as required under the FCRA. I called and requested this information and they have been stalling, telling me it would take XXXX  days. It has been over XXXX  months now. 

Additionally, I have filed a report with the Federal Trade Commission ( FTC ) regarding identity theft and a data breach involving my personal information, which could be contributing to the errors reported. XXXX and EWS have been notified of these critical details and have been provided the necessary documentation to validate my identity and investigate the dispute properly. Their failure to provide proof of any legitimate basis for the denials or correct the inaccurate reporting has caused ongoing delays, restricted my access to financial resources, and created unnecessary stress and hardship for me and my business.

I am seeking immediate intervention and enforcement of FCRA regulations ( 15 U.S.C. 1681e ( b ) regarding accurate reporting and 1681i regarding dispute resolution ). I request that these agencies be held accountable for their non-compliance and that any unverifiable or inaccurate information affecting my banking access be corrected or removed promptly. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
UPON EXAMINING MY CREDIT REPORTS, I NOTICED THAT ALTHOUGH YOU HAVE NOT PROVIDED ANY EVIDENCE TO SUPPORT THE ACCURACY OF THE DEBT. YOU CLAIMED TO HAVE COMPLIED WITH ALL LEGAL AND REGULATORY REPORTING REQUIREMENTS, THUS YOU HAVE TO DELETE ALL NEGATIVE AND CRITICAL ACCOUNTS. 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, not later than XXXX business days after the date of receipt by such agency.

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 2025-02-01 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: EQUIFAX, INC.
State: MN

Complaint narrative:
I am writing to dispute inaccuracies on my credit report and to address concerns regarding the handling of my disputes by Equifax, Experian, and TransUnion. Despite submitting disputes regarding certain accounts, I have not received clear or complete information about the data these credit reporting agencies ( CRAs ) received or relied upon to verify the disputed items. Additionally, I have noticed that charged-off accounts, which were previously removed or resolved, have reappeared on my credit report without explanation.

Key Issues : Failure to Provide Information : After disputing specific items on my credit report, I requested that Equifax, Experian, and TransUnion provide me with the information they used to verify the disputed accounts. However, they have failed to provide this information, which is necessary for me to understand how they reached their conclusions.

Reappearance of Charged-Off Accounts : Certain charged-off accounts that were previously removed or resolved have reappeared on my credit report. This is causing confusion and negatively impacting my credit score. I did not receive any notification or explanation from the CRAs about why these accounts have reappeared.

Actions Taken : I submitted disputes to Equifax, Experian, and TransUnion regarding inaccuracies on my credit report, including charged-off accounts and other incorrect information.

I followed up with the CRAs to request the specific information they used to verify the disputed items.

I noticed that the charged-off accounts had reappeared on my credit report without any prior notice or explanation.

Requested Resolution : Provide me with the specific information used to verify the disputed accounts, including documentation or communication from the data furnishers.

Remove the reappeared charged-off accounts from my credit report unless you can provide valid evidence that they are accurate and properly verified.

Conduct a thorough investigation into these issues and ensure my credit report is updated to reflect accurate and verified information.

Please address these concerns promptly and provide a detailed response. If additional information is needed to identify my account, I will provide it upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Block, Inc.
State: IL

Complaint narrative:
Cash App closed my account without warning. There were large sums of money deposited from my job. Cash App kept my money and locked and eventually closed my account. When I called several times I was given empty promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
UPON EXAMINING MY CREDIT REPORTS, I NOTICED THAT ALTHOUGH YOU HAVE NOT PROVIDED ANY EVIDENCE TO SUPPORT THE ACCURACY OF THE DEBT. YOU CLAIMED TO HAVE COMPLIED WITH ALL LEGAL AND REGULATORY REPORTING REQUIREMENTS, THUS YOU HAVE TO DELETE ALL NEGATIVE AND CRITICAL ACCOUNTS. 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, not later than XXXX  business days after the date of receipt by such agency.

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 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, I attempted to transfer cryptocurrency from my XXXX account to another crypto account. Immediately after, my account was restricted without explanation. 

I was expecting a call back by XX/XX/XXXX, but never received XXXX. On XX/XX/XXXX, I contacted XXXX customer support and was instructed to submit documents, including my passport, bank statements, and a selfie. I complied with this request, and they told me my case would be reviewed by XX/XX/XXXX. 

Since then, XXXX has continuously delayed the review process, pushing the date forward by XXXX day every single day. On XX/XX/XXXX, it said XX/XX/XXXX ; on the XXXX, it said XX/XX/XXXX, and so on. As of today, XX/XX/XXXX, my account now says it will be reviewed by XX/XX/XXXX. 

This indefinite delay is unacceptable, and XXXX has failed to provide a clear explanation or resolution for restricting my account and my funds. I am seeking immediate action to either restore access to my account or allow me to withdraw my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: NJ

Complaint narrative:
I am writing to seek your assistance regarding an alarming situation I have encountered with the Discover Credit Card company. My experience has raised serious concerns about both the practices of the merchant involved and the lack of effective support from Discover. Recently, I attempted to make a purchase through an online retailer known as XXXX XXXX, which, in retrospect, I suspect may be fraudulent. The first attempt to place my order was unexpectedly canceled. Seeking clarity, I contacted their customer support, who stated they found no issues with my transaction. They suggested I try placing the order again and advised that I would need to contact my bank for a special code during the process. Confident that my credit card protections would safeguard me, I proceeded with the purchase a second time. While on the phone with Discover, I provided them with the necessary code as instructed. However, shortly after this call, I received an email from XXXX XXXX notifying me that my order had been canceled again, and I would receive a refund. I waited the full timeframe specified for the refund but, regrettably, it never arrived. When I reached out to XXXX XXXX, I warned them that if the refund was not processed, I would need to initiate a chargeback. After my mention of the dispute, it became evident that the merchant began to take evasive actions. In a troubling turn of events, XXXX XXXX created a fraudulent tracking number linked to my address and shipped me a tiny box containing cheap socks as a deceptive measure to mislead Discover regarding the validity of my order. When I inquired about this peculiar shipment, XXXX XXXX blocked my ability to contact them further. Disappointed and frustrated, I turned my attention back to Discover, who has shown little responsibility or initiative in addressing my complaint. I submitted all relevant documentation demonstrating that my order was canceled and that a refund was legitimately owed to me. At this point, I feel I have exhausted my options with Discover and am left vulnerable to the irresponsible practices of both the merchant and my credit card provider. Therefore, I kindly request your support in investigating this matter and holding all parties accountable for their actions. Thank you for your attention to this urgent issue. I look forward to your guidance on the potential steps I can take to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: MN

Complaint narrative:
I am writing to dispute inaccuracies on my credit report and to address concerns regarding the handling of my disputes by Equifax, Experian, and TransUnion. Despite submitting disputes regarding certain accounts, I have not received clear or complete information about the data these credit reporting agencies ( CRAs ) received or relied upon to verify the disputed items. Additionally, I have noticed that charged-off accounts, which were previously removed or resolved, have reappeared on my credit report without explanation.

Key Issues : Failure to Provide Information : After disputing specific items on my credit report, I requested that Equifax, Experian, and TransUnion provide me with the information they used to verify the disputed accounts. However, they have failed to provide this information, which is necessary for me to understand how they reached their conclusions.

Reappearance of Charged-Off Accounts : Certain charged-off accounts that were previously removed or resolved have reappeared on my credit report. This is causing confusion and negatively impacting my credit score. I did not receive any notification or explanation from the CRAs about why these accounts have reappeared.

Actions Taken : I submitted disputes to Equifax, Experian, and TransUnion regarding inaccuracies on my credit report, including charged-off accounts and other incorrect information.

I followed up with the CRAs to request the specific information they used to verify the disputed items.

I noticed that the charged-off accounts had reappeared on my credit report without any prior notice or explanation.

Requested Resolution : Provide me with the specific information used to verify the disputed accounts, including documentation or communication from the data furnishers.

Remove the reappeared charged-off accounts from my credit report unless you can provide valid evidence that they are accurate and properly verified.

Conduct a thorough investigation into these issues and ensure my credit report is updated to reflect accurate and verified information.

Please address these concerns promptly and provide a detailed response. If additional information is needed to identify my account, I will provide it upon request.

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 2025-02-01 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I am writing to dispute inaccuracies on my credit report and to address concerns regarding the handling of my disputes by Equifax, Experian, and TransUnion. Despite submitting disputes regarding certain accounts, I have not received clear or complete information about the data these credit reporting agencies ( CRAs ) received or relied upon to verify the disputed items. Additionally, I have noticed that charged-off accounts, which were previously removed or resolved, have reappeared on my credit report without explanation.

Key Issues : Failure to Provide Information : After disputing specific items on my credit report, I requested that Equifax, Experian, and TransUnion provide me with the information they used to verify the disputed accounts. However, they have failed to provide this information, which is necessary for me to understand how they reached their conclusions.

Reappearance of Charged-Off Accounts : Certain charged-off accounts that were previously removed or resolved have reappeared on my credit report. This is causing confusion and negatively impacting my credit score. I did not receive any notification or explanation from the CRAs about why these accounts have reappeared.

Actions Taken : I submitted disputes to Equifax, Experian, and TransUnion regarding inaccuracies on my credit report, including charged-off accounts and other incorrect information.

I followed up with the CRAs to request the specific information they used to verify the disputed items.

I noticed that the charged-off accounts had reappeared on my credit report without any prior notice or explanation.

Requested Resolution : Provide me with the specific information used to verify the disputed accounts, including documentation or communication from the data furnishers.

Remove the reappeared charged-off accounts from my credit report unless you can provide valid evidence that they are accurate and properly verified.

Conduct a thorough investigation into these issues and ensure my credit report is updated to reflect accurate and verified information.

Please address these concerns promptly and provide a detailed response. If additional information is needed to identify my account, I will provide it upon request.

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 2025-02-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: DC

Complaint narrative:
That debt is not mine I didnt not open that account. The date of the opened account has changed as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing a complaint against Equifax for failing to investigate my disputes regarding inaccuracies in my credit report properly. Despite my submissions, Equifax consistently responds within 24 hours stating that 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. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

Here are the accounts I would like removed : 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 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
UPON EXAMINING MY CREDIT REPORTS, I NOTICED THAT ALTHOUGH YOU HAVE NOT PROVIDED ANY EVIDENCE TO SUPPORT THE ACCURACY OF THE DEBT. YOU CLAIMED TO HAVE COMPLIED WITH ALL LEGAL AND REGULATORY REPORTING REQUIREMENTS, THUS YOU HAVE TO DELETE ALL NEGATIVE AND CRITICAL ACCOUNTS. 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, not later than 4 business days after the date of receipt by such agency.

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 2025-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am filing a complaint against US Bank due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, US Bank failed to take timely and effective measures to prevent and address problems on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply to dealing with problems with the account as well as false late payment which resulted in closing of account that was actually apart of their customer service fault. These actions have caused significant inconvenience and financial loss, as well and credit score dropping due to inaccurate late payments as well as inaccurate closing of my account and i seek appropriate redress for these violations. 
Under US Codes 15 U.S. Code 1635 15 U.S. Code 1692g 15 U.S. Code 1681 ( 2Xi ) 15 U.S. Code 1666b 12 CFR 1026.13 ( billing error resolution )

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 2025-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
My info was in a data breach! My identity was stolen

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
am writing to dispute certain credit inquiries and accounts listed on my credit report, as l believe they were made fraudulently without my authorization. I have reason to believe that my personal information was compromised and used to make unauthorized credit inquiries. I am requesting that these inquiries be removed from my credit report as per 605B15 U.S.C. 1681c-2 states if a breach is present accounts will be removed in 4 days it tied to identity theft. In support of my claim, I have filed a report with the Federal Trade Commission ( FTC ) report number XXXX regarding the identity theft and fraudulent activities.my personal information was used fraudulently. The unauthorized credit accounts I am disputing are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThese inquiries and accounts were made without my knowledge or consent and should be removed from my credit file. As per the Fair Credit Reporting Act ( FCRA ), l am requesting that you investigate these disputed inquiries and remove them from credit reports

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