vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: WV

Complaint narrative:
This is about the cash app debocal. I would like more information as I assume I am apart of it. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AR

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 ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconveniences and financial losses and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: NJ

Complaint narrative:
Equifax has failed to fulfill their legal obligation under the fair reporting act ( FCRA ) to conduct a reasonable re-investigation of disputed information on my credit report, leaving inaccurate or unverifiable information unresolved. The consumer financial protection bureau ( CFPB ) recently filed a lawsuit against Equifax alleging, systematic issues, such as failing to forward consumer provided evidence to furnishers excepting unreliable responses and failing to adequately notified consumers of dispute outcomes. These failures align with my experience. Where Equifax has neither corrected nor removed disputed items despite the evidence I provided causing ongoing harm to my credit standing I am requesting immediate corrective action to remove or amend the disputed account accounts as Equifax inaction violates federal law and my rights as consumer. Listed below are the inaccurate hard inquires that are a result of ID theft that equifax has failed to remove even after providing supporting ID theft documention. 

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 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 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
I went to attorney to get information on bankruptcy but never followed up with the attorney authorizing them to move forward because I changed my mind and did not want to file but they did without my consent. I contacted XXXX several times requesting that they reframe from falsely verifying this incorrect information and Opted out from any services they provide to their customers involving me or my social security information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

I am filing this to report one fraudulent account appearing on my Experian credit report which I do not recognize as reported and which is the result of identity theft and fraud. This fraudulent account consists of an insurance account opened at XXXX on XX/XX/XXXX under the account number XXXX. This account has resulted in several fraudulent hard inquiries and collections appearing on my credit report. I demand that the items be removed from my consumer credit reports. The following wrong addresses must be deleted : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX. The following Inquiries must also be deleted : XX/XX/XXXXXXXX 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 

All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX XXXXXXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: GA

Complaint narrative:
The credit is being looked at by people I dont know and being shared on platforms I didnt authorize

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: GA

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report. As per my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I demand an immediate investigation and removal of these inquiries.

The following inquiries listed on my credit report are unauthorized and were not initiated by me.

I have not applied for credit with these institutions, nor have I authorized these inquiries. Under 15 U.S.C. 1681i, you are required to investigate and correct inaccurate information on my credit report. I expect these unauthorized inquiries to be removed from my report immediately.

Failure to comply with this request will leave me no choice but to pursue further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and potentially seeking legal remedies for damages caused by these inaccuracies.

Please send me a written confirmation once these inquiries have been removed from my credit report. I expect a prompt resolution to this matter within the 30-day timeframe as mandated by the FCRA.

Thank you for your immediate attention to this serious matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
My account was restricted on XX/XX/XXXX due to unusual activity and stated by XXXX " No Actions Needed ''. {$16000.00} was restricted from use or withdraw starting XX/XX/XXXX. As soon as i got the notice, I called and informed them all recent activities were completed my me. I even voluntarily uploaded a selfie with my ID via email. I was told the restriction will be reviewed and lifted by XX/XX/XXXX. As of today, it has pushed to XX/XX/XXXX. I have sent many emails but their responses were " will provide an update asap ''. They have not extended a legitimate reason on why it takes so long for the restriction to be lifted. All of my savings are in this account. It has been extremely hard financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: GA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where Experian has neither corrected or removed these disputed items despite the evidence I provided. This is causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: TX

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 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint to report that XXXX has failed to properly investigate my disputes regarding inaccurate information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Specifically, XXXX  actionsor lack thereofhave directly caused harm to my creditworthiness and financial stability.

Summary of Issues Experienced : 1. Failure to Properly Investigate Disputes When I disputed inaccurate information on my credit report, XXXX failed to conduct a proper investigation as required under the FCRA ( 1681i ( a ) ). Instead, XXXX either sent me generic responses or relied solely on data furnishers without verifying the accuracy of their responses, even when the information was clearly improbable or contradictory. 

2. Reinsertion of Deleted Information After disputing and having inaccurate tradelines removed from my credit report, XXXX allowed the same inaccurate information to reappear under the name of a different furnisher, without notifying me or ensuring the information was accurate, as required by the FCRA ( 1681i ( a ) ( 5 ) ( C ) ). 

3. Failure to Notify and Inform Me of Investigation Results XXXX sent me vague or unclear notices regarding the outcome of their investigations, which failed to meet the FCRAs requirement to inform consumers of investigation results ( 1681i ( a ) ( 6 ) ).

4. Harm and Impact These actions have caused significant harm, including : Denial of credit. 

Lowered credit scores due to unresolved inaccurate information. 

Emotional distress due to the time and effort spent disputing the same errors repeatedly. 
Legal Provisions Violated : FCRA 1681e ( b ) : Requires credit reporting agencies to follow reasonable procedures to ensure maximum accuracy of information.

FCRA 1681i ( a ) : Mandates that credit reporting agencies conduct a reasonable investigation of consumer disputes regarding the accuracy of information.

FCRA 1681i ( a ) ( 5 ) ( C ) : Prohibits re-insertion of previously deleted information unless certain conditions are met, including notifying the consumer.

FCRA 1681i ( a ) ( 6 ) : Requires credit reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: ID

Complaint narrative:
I am filing a complaint for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, I was responded to within 24 hours stating the account was accurate without providing evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act 15 U.S.C. 1681i, WHICH MANDATES A REASONABLE INVESTIGATION OF DISPUTES.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: ID

Complaint narrative:
I am filing a complaint for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, I was responded to within 24 hours stating the account was accurate without providing evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act 15 U.S.C. 1681i, WHICH MANDATES A REASONABLE INVESTIGATION OF DISPUTES.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
My purchases have been declined through multiple U.S. based companies and seems like a useless e-gift card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Valon Technologies, Inc.
State: CA

Complaint narrative:
I financed a newly constructed home from XXXX XXXX XXXX and financed it with their captive mortgage company XXXX XXXXXXXX XXXX Valon Mortgage bought the mortgage from XXXX XXXX in XX/XX/XXXX. One of the requirements for our development is that we are required to have flood insurance. In the sales agreement, XXXX XXXX agreed to pay for the Flood Insurance for up to ten years or until the flood zoning was removed. XXXX XXXX XXXX handled the flood insurance flawlessly and no issue. On XX/XX/XXXX I received a letter from Valon Mortgage stating they are now charging me {$1000.00} a month from my previous {$690.00} to escrow for flood insurance. This is {$300.00} a month or {$3700.00} increase. Never mind that I have Flood Insurance in place. I call and write emails to no avail and they keep saying that they are required by FEMA with the Biggert-Waters Act to escrow for Flood Insurance. I reached out to FEMA by phone and email and in all cases they stated that if I have the Flood Insurance in place it is not necessary for the Mortgage Company to escrow. I share this information with back up documentation to Valon. 

However, I provided Valon with a bound, paid for, and backup documentation including the full legally required Insurance Policy for the next year starting on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. The actual cost of the Flood Insurance which is in place is {$710.00} a year. Valon, provides no backup, no documentation, no policy, but simply states THEY ARE PROVIDING flood insurance for {$3000.00} more than the actual cost. If I do not pay this full amount, I am in default of the loan agreement. After many back and forth with Valon, they came back and said they would now reduce the escrow amount to {$120.00} or {$1500.00} a year, which is still over twice the cost of the actual Flood Insurance. Once again, no documentation, no backup, no explanation. I gave up and refinanced with XXXX XXXX, with no escrow requirement per their escrow and legal department. however, it cost me over {$4000.00} in closing costs and points. Valon is an unethical or at best an incompetent company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: LA

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report a separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent account consist of a auto loan The account have a fraudulent account appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent item be removed from each of my consumer credit reports and that all collection activity related to said item cease pursuant to my rights within the FCRA and FDCPA laws. 
CFPB Complaint against Credit Reporting Agency Experian Consumer name : XXXX XXXX XXXX Consumer Social Security Number : XXXX Consumer Date of Birth : XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a auto loan XXXX  XXXX opened on XXXX # XXXX {$31000.00}, XXXX XXXX {$1500.00} # XXXX OPENED XXXX The accounts have resulted in a fraudulent account appearing on my consumer XXXX credit report. I've attached a a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent item. I do not recognize the aforementioned accountas reported. The aforementioned account appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer auto loan are the result of identity theft and fraud.

What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the Experian credit reporting agency block all of the account identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submission, Equifax consistently responds within 24 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 ) - ( 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. 

These are the accounts I marked as inaccurate : XXXX XXXX

Company response to consumer: Closed with explanation