vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This account did not belong to me. I was identified that my house being used by somebody on.XXXX  and XXXX  am I by name XXXX live in XXXX I live in XXXX XXXX and somebody in XXXX  named 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 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am writing to formally express my frustration and concern regarding Equifaxs mishandling of my human trafficking packet submission under Section 605C of the Fair Credit Reporting Act ( FCRA ). 

Since XX/XX/year>, I have submitted my packet approximately XXXX times through multiple channels, including : XX/XX/XXXX Initial submission via Equifax upload XX/XX/XXXX XXXX separate submissions via Equifax upload XX/XX/XXXX Submission via Equifax upload XX/XX/XXXX Submission via Equifax upload XX/XX/XXXX Submission via mail XX/XX/XXXX and XX/XX/XXXX Equifax secure email Despite these repeated submissions, I have been forced to follow up with XXXX phone calls since XX/XX/XXXX, including : XX/XX/XXXX ( XXXX calls ), XX/XX/XXXX, XX/XX/XXXX ( XXXX calls ), XX/XX/XXXX ( XXXX calls ), XX/XX/XXXX, XX/XX/XXXX ( XXXX calls ), and XX/XX/XXXX. 

During these calls, I was repeatedly met with contradictory and misleading responses : Initially, I was told that my documents were not received. 

Upon further questioning, I was informed that the documents were located but could not be viewed. 

When I requested detailed reasons for the denial, I was told that they could not provide an explanation and was advised to " just keep submitting '' the packet, with no valid justification. 

I have spoken to multiple representatives, including XXXX, XXXX, XXXX, XXXX, and others. Each time I requested to escalate my concerns or speak to a supervisor, I was told that they were supervisors and that there was no one higher to escalate to. 

Misleading and False Information Provided On XX/XX/XXXX, I called once again and was initially told that there was no explanation for the denial. Later in the conversation, I was falsely informed that the XXXX XXXX XXXX stated that my information was not valid. This is completely false, as I have directly confirmed with the agency that no one from Equifax has contacted them to verify my information. 

Additionally, the denial letter I received on XX/XX/XXXX indicated that I should see results, but no results or explanations were provided. 

Violation of the Fair Credit Reporting Act ( FCRA ) Equifaxs continued failure to properly process my submissions, refusal to provide clear reasons for denial, and provision of false information constitute a blatant violation of Section 605C of the FCRA, which mandates the protection of human trafficking survivors from further harm by ensuring the removal of adverse information related to their trafficking experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: TX

Complaint narrative:
My locked CashApp card had {$190.00} stolen from it on XXXX from a company that I'd never even heard of. After doing some research online I've seen that MANY cashapp users have had this problem. I've also done research to find out that whatever that XXXX site, is a scam site. If cashapp had done a proper investigation they too would have seen this and understood the situation and to why I've refused to email XXXX about anything. I don't need that site " XXXX '' to steal anymore of my information. Cashapp has been NO HELP up to this point. I was using Cashapp as my bank with direct deposits and so forth, so when dealing with this I'm surprised at their lack of protection and concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am extremely frustrated by the errors on my report that are unfairly dragging down my scores. These inaccuracies have already caused setbacks for me, and I should not be held back by information that is not accurate.

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 2025-03-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: VA

Complaint narrative:
I have been previously dealing with them charging me different amount of money in my account. I also went in person retail XXXX store to fix the situation they did not know what was going on. And also, they had called the customer service themselves. Nothing was accomplished. Now I have XXXX different amounts separately on my credit that I did not owe. I have previously told them the amount is wrong and falsely charged into my account. Only thing I have is internet not mobile service.

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 2025-03-28 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: NY

Complaint narrative:
I sent a letter regarding inaccurate and unknown accounts on my credit report. Please review all the documents I've sent in regards to this!

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 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am extremely frustrated by the errors on my report that are unfairly dragging down my scores. These inaccuracies have already caused setbacks for me, and I should not be held back by information that is not accurate.

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 2025-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX. The account in question was opened fraudulently in my name. I checked my credit file in XXXX, found XXXX collection accounts ( XXXX from XXXX ), immediately reported fraud with all three credit bureaus, and contacted both collection agencies. I don't have a driver 's license and could not have got auto insurance. 

I don't have any facts or ideas regarsing who is responsible for opening this account in my name. 

Further, please remove these fraudulent collection accounts from my credit file with the XXXX credit bureaus. This has been a very frustrating experience. 

Finally, will someone update me when you have removed this account from my credit file? 

I await your reply. 

Thank you. 


XXXX XXXX XXXX, XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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:
I was looking at my credit report and noticed that there are hard inquiries that are not mine on there.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-03-28 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: CA

Complaint narrative:
I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). I'd like to emphasize that I am the one submitting this complaint and there is no third party involved.

Despite having sent multiple letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ).

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under identitytheft.gov clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through identitytheft.gov, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid.

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXX v. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX XXXX ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: Chime Financial Inc
State: CA

Complaint narrative:
Back in XXXX and XXXX I had XXXX Unauthorized transactions XXXX foXXXX XXXX XXXX XXXX XXXXor {$10.00} each and XXXX for XXXX XXXX for {$10.00}. I had reported the transactions mid XXXX via phone and the agent had claim that he successfully filed a dispute on my behalf. I ended up forgetting about it, but then yesterday I was going through my transactions and that's when I had realized that a dispute was filed and I should of had my money back already So I had called to check the status of the dispute and end up finding out that the agent never filed XXXX So the agent that I had spoke with yesterday filed another dispute and expedited it because of the fact that I had already been waiting and was waiting for nothing not to mention because Chime is at fault for these transactions as there was a stop payment placed on both merchants which didn't expire until the end of XXXX. She also extended the stop payment for up to XXXX yrs I had issues with these XXXX merchants in the past getting my debit card information for why the stop payment was placed and haven't had any issues for quite a while then boon. She had also mentioned that I was eligible for provisional credit and the expected date for it to be issued is XX/XX/XXXX but once again said she made sure I would get it way sooner Today I had tried to order my boys XXXX boys a {$10.00} XXXX gift card a total of {$20.00}. I Ordered through XXXX com for some odd reason transaction was cancelled I order from them all the time. I then tried with XXXX XXXX XXXX and XXXX and the same thing but each time my funds were returned back instantly. I then got frustrated and went to XXXX website directly and ordered XXXX {$10.00} cards they did the same exact thing and cancelled my order. But this time my funds were not returned. So I reached out to Chime to see what was going on they tried to act like in XXXX  that none of the other transactions went back automatically when they clearly did as I only had {$20.00} ; available in my account in the first place and that I have to wait XXXX business days why all of a sudden with this transaction and not the others. I didn't get an answer. I then asked about my open dispute claim asking why I haven't received my provisional credit when I was told it was expired and that I wouldn't have to wait. I was told they can't speed it up when yes they can especially for something that there at fault for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
I am filling ( 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 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 Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for all these violations. Also takes taxes and doesnt give W2 or tax returns.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-03-28 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Expertise and XXXX are ruining my credit because they have these reported false credit inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. They are ruining my credit with inquiries and didnt have my permission

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: NJ

Complaint narrative:
I sent a letter regarding inaccurate and unknown accounts on my credit report. Please review all the documents I've sent in regards to this!

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 2025-03-28 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: OH

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: IA

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-03-28 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: IA

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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