vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-29 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: NE

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND DEPRESSED. I recently discovered that I was listed as part of the XXXX data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-03-29 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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit 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 2025-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
In XXXX  I made some purchases for a home i just moved into, I used XXXX to make the purchases, the day after I tried to contact one of the vendors with a question, the email they gave came back undeliverable, that concerned me so I tried to contact all the vendors, I got the same result email undeliverable. 
So I emedietly contacted cashapp and told them what was happening and asked them to stop payment, they told me they couldn't do that, they told me to wait and see if my packages show up. 
Four days later nothing arrived so I disputed the charges, the reason I gave was I received nothing from the vendor.

Less then 24 hours later cash app responded and said they investigated and found my disputes to be fraudulent.

I didn't understand so I called cash app The customer service representative helped me file disputes again, and again less then 24 hours later they were denied again.

Now I'm not a genius but I can tell you that it will take atleast 24 hours or more after emailing a vendor before they will respond, and these vendors gave no phone numbers, just emails, and all those emails were fraudulent, so I would like to know how the contacted the vendors, I filed a complaint with you guys about them, and a so called manager replied and said he was going to investigate, but as soon as you said case closed, the so called manager said case denied and then they kicked me off of cashapp.

I have since tried to email them a few times I wanted to know if I am part of this lawsuit But they will not respond d to me I have been waiting a long time, I could rely use that {$490.00} And I really don't feel like getting lied to by cashapp.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: WI

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I have two late payments on an account that shouldnt be. The consumer reporting agencies need to report all information with complete accuracy.

Per, 15 usc 1681 ( 2 ) Exclusions- ( 2 ) ( i ) report containing information solely as to TRANSACTIONS OR EXPERIENCES between the consumer and the person making the report ; late payments are excluded from your consumer report as this is not public information. I request the immediate investigation and proof of actions taken during investigation such as : List of people spoken to at company ( first/last names ) Actions taken to verify accuracy of lateness Proof of my written consent to divulge such information

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 2025-03-29 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: WI

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I have two late payments on an account that shouldnt be. The consumer reporting agencies need to report all information with complete accuracy.

Per, 15 usc 1681 ( 2 ) Exclusions- ( 2 ) ( i ) report containing information solely as to TRANSACTIONS OR EXPERIENCES between the consumer and the person making the report ; late payments are excluded from your consumer report as this is not public information. I request the immediate investigation and proof of actions taken during investigation such as : List of people spoken to at company ( first/last names ) Actions taken to verify accuracy of lateness Proof of my written consent to divulge such information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: PA

Complaint narrative:
I am a victim of identity theft an XXXX XXXX, I filed several FTC reports and submitted my written statement several times to the credit bureaus Transunion, Experian and Equifax for several fraudulent accounts to be removed per 15 U.S.C. 1681c-2 ( FCRA 605B ). TransUnion, Experian and Equifax is legally required to block fraudulent accounts within four ( 4 ) business days of receiving an FTC report, yet they have failed to act on the following account : XXXX XXXX XXXX opened on XX/XX/XXXX under account number XXXX in the amount {$920.00} XXXX requested a written statement explaining why they are refusing to comply with this law and why they are not blocking these accounts in detail showing the way they investigated, with whom they verified the information with and how they determined my FTC and XXXX XXXX  documents are in fact NOT legitimate. Under FCRA 605B, credit bureaus are prohibited from ignoring FTC reports and must block accounts associated with identity theft. I request that TransUnion, Experian and Equifax provide a written explanation of why they believe they can ignore the FTC report and why they have failed to comply with this legal requirement. TransUnion Also has refused to remove accounts that were already removed by Experian and Equifax and Under FCRA 1681i ( a ) ( 5 ), when one credit bureau removes a fraudulent account, other bureaus must also comply and remove the same account if it is determined to be fraudulent. My rights have been violated since XX/XX/XXXX of me submitting serval disputes, Investigations are being closed after just a few days and nothing is being done. TransUnion also reinserted fraudulent accounts that were previously removed from my credit file, including accounts from XXXX XXXX XXXX XXXX ( Account XXXX ) XXXX XXXX XXXX XXXX  ( Account XXXX, {$4500.00} ), without notifying me within the five ( 5 ) business days required by FCRA 1681i ( a ) ( 5 ) ( B ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: PA

Complaint narrative:
I am a victim of identity theft an XXXX XXXX, I filed several FTC reports and submitted my written statement several times to the credit bureaus Transunion, Experian and Equifax for several fraudulent accounts to be removed per 15 U.S.C. 1681c-2 ( FCRA 605B ). TransUnion, Experian and Equifax is legally required to block fraudulent accounts within four ( 4 ) business days of receiving an FTC report, yet they have failed to act on the following account : XXXX XXXX XXXX opened on XX/XX/XXXX under account number XXXX in the amount {$920.00} XXXX requested a written statement explaining why they are refusing to comply with this law and why they are not blocking these accounts in detail showing the way they investigated, with whom they verified the information with and how they determined my FTC and XXXX XXXX  documents are in fact NOT legitimate. Under FCRA 605B, credit bureaus are prohibited from ignoring FTC reports and must block accounts associated with identity theft. I request that TransUnion, Experian and Equifax provide a written explanation of why they believe they can ignore the FTC report and why they have failed to comply with this legal requirement. TransUnion Also has refused to remove accounts that were already removed by Experian and Equifax and Under FCRA 1681i ( a ) ( 5 ), when one credit bureau removes a fraudulent account, other bureaus must also comply and remove the same account if it is determined to be fraudulent. My rights have been violated since XX/XX/XXXX of me submitting serval disputes, Investigations are being closed after just a few days and nothing is being done. TransUnion also reinserted fraudulent accounts that were previously removed from my credit file, including accounts from XXXX XXXX XXXX XXXX ( Account XXXX ) XXXX XXXX XXXX XXXX  ( Account XXXX, {$4500.00} ), without notifying me within the five ( 5 ) business days required by FCRA 1681i ( a ) ( 5 ) ( B ).

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 2025-03-29 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: NY

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND DEPRESSED. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 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: NE

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND XXXX I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in XXXX business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 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: LA

Complaint narrative:
I need your help investigating accounts from companies that have inaccurately reported late payments. After reviewing my credit report, I found certain accounts showing late payments that should not be there. There should be no late payment remarks on these accounts. Please remove these remarks and update the accounts to reflect a positive status as agreed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 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: NV

Complaint narrative:
Hi, XX/XX/year> I printed and mailed a letter to Experian in regards to investigation of some accounts that are still showing inaccurate information. To this date XX/XX/year> I still have not received any results nor a updated credit 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 2025-03-29 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: NE

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND XXXX  I recently discovered that I was listed as part of the XXXX data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in XXXX business days.

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 2025-03-29 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: CA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I did not authorize payments on my credit card. I was out of state for work and never received any mail or notices for credit usage. I contacted XXXX and told them it as not my charges and they refused to fix problem.

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 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I did not authorize payments on my credit card. I was out of state for work and never received any mail or notices for credit usage. I contacted XXXX and told them it as not my charges and they refused to fix problem.

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 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I did not authorize payments on my credit card. I was out of state for work and never received any mail or notices for credit usage. I contacted XXXX and told them it as not my charges and they refused to fix problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I deposited a check into my account. BOA put a hold on it immediately, without informing me. There were no grounds to put a hold on this deposit. They did not release the funds when they said that they would. Then, when they FINALLY released the hold, they blocked my account and debit cards do that I could not use my money-AFTER HOLDING THE DEPOSIT FOR 14 DAYS-THEY THEN FROZE MY ACCOUNT AND WOULD NOT GRANT ME ACCESS TO MY FUNDS!!!! After spending HOURS on hold with their incredibly INCOMPETENT customer service-they did nothing to remedy this situation. I received a FORM email from a XXXX XXXX to discuss the issues and I wrote him XXXX emails and called him and he never responded. This is ridiculous. It is theft, fraud, and discrimination. I have been a customer for over XXXX  years and I am never treated with anything buy contempt. BOA can find someone else do scam, because I am done.

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 2025-03-30 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: DE

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 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: IL

Complaint narrative:
I am writing to formally dispute and request the removal of an inaccurate address and incorrect account information from my credit report. After reviewing my report, I discovered that I have been a victim of identity theft. 

Address Discrepancy I have been attempting to get information updated and reported correctly since XX/XX/XXXX upon my discovery. My correct and current address is XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, where I have resided for an extended period. Although I work in XXXX I have NEVER lived in the state of XXXX  However, my credit report reflects the address XXXX XXXX XXXX, XXXXXXXX XXXX, which is not and has never been associated with me. 

I was informed that this address was verified back to XXXX which is a blatantly fabricated by Equifax. During that time, I resided at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, for approximately one year before returning to XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. Given that I have never resided at the XXXX address, I request its immediate removal from my credit report. 

Account Corrections Additionally, I request that my closed account with XXXX be accurately updated and any fraudulent accounts be removed. I have enclosed my fraud report for your reference. Furthermore, I have never had any late payments, and my payment history should reflect this accurately. 

I appreciate your prompt attention to this matter and request that these inaccuracies be corrected as soon as possible. Please provide written confirmation once these corrections have been made.

Company response to consumer: Closed with explanation