vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-10 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: CA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
LVNV Funding is reporting a debt on my credit report that I do not recognize and that has not been properly validated. I requested detailed documentation from them to prove the debt is valid, including the original contract and proof of ownership, but they have not provided sufficient evidence. 

Despite this, the account remains on my credit report and is negatively impacting my credit. I believe this reporting is inaccurate, and I am requesting that the credit bureaus investigate and remove this account if it can not be fully verified. 

I am also including documentation to support my dispute, and I request that this matter be resolved fairly and in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The information reported on my credit report is not in line with the guidelines set by the Fair Credit Reporting Act ( FCRA ), and it does not reflect the maximum possible accuracy. This discrepancy is in violation of the standards that should govern my credit report, and its unfairly impacting my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: IL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-04-10 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 extremely dissatisfied with the failure to comply with section FCRA XXXX ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: CA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA XXXX ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-04-10 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: DC

Complaint narrative:
A while ago I noticed that there were so many things on my credit that I can not even begin to guess where these fraudulent accounts came from. So, I requested validation ( in the form of the original contracts ) from the bureau for each fraudulent account so that I could actually get to the bottom of who was using my identity and to also get this information removed. I sent in a letter and a FTC report just like the bureau requested 2 months ago and I still havent received any original contracts, or the method of verification, who they spoke with at these companies and the information is still on my 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 2025-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX @ XXXX XXXX, I withdrew ( transferred out ) {$140.00} from my CashApp stored balance account, at " instant speed '' which incurred a {$2.00} fee, for a total withdrawal ( transfer out ) of {$130.00}. 

The instant withdrawal ( transfer out ) was to my XXXX XXXX XXXX ending in XXXX. 

Shortly thereafter, my XXXX account did detect a pending incoming money transfer of {$130.00}, but was not accepted by XXXX and denied/cancelled a few minutes later, on XX/XX/XXXX @ XXXX XXXX. 

However, since XX/XX/XXXX, the denied/cancelled funds have yet to return to the originating institution, CashApp. 

I have contacted both CashApp & XXXX XXXX Teams multiple times since XX/XX/XXXX, and no closer to a resolution : - CashApp claims that their payment processor " has confirmed the funds were successfully dispensed and no error occurred. '' They consider the matter closed based solely on this claim from their payment processor, even when presented with documentation from XXXX showing their denial / cancellation of the incoming money transfer. Attempts to further assist me or dive deeper into the matter are not offered and I am directed to lodge any additional inquiries of the transaction with XXXX. 

- XXXX claims that because the incoming money transfer arrived in Pending status and was subsequently denied/ cancelled, they technically never took possession of the transaction. As such, the transaction was not completed by XXXX. As a result, they can not provide additional information, as they never accepted the money transfer. XXXX further states, because the transaction was not completed or accepted, responsibility for the transaction remains with the originating institution ( CashApp ). 

When transactions are cancelled or returned, they turnaround time is usually a week at most, according to the Support pages for CashApp and XXXX. However, for me and this transaction, it's been about XXXX business days ( or 27 days ) since the transaction was denied/ cancelled by XXXX. CashApp continues to state the transaction was completed and there is no reversal of the transaction on record.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: NC

Complaint narrative:
Please check the accuracy due to Equifax breach. My information was compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Amsher Collection Services, Inc.
State: MO

Complaint narrative:
I have currently accounts open of debt on my credit sold to companies I did not report to nor give them permission to use my personal information and or for my information to be sold. I also sent letter to dispute each account on my report and currently waiting on a response for them to remove each negative item on my account and prove that these items on my credit belongs to me. Then for them to remove all negative items off my credit report and for them to stop using and sailing my social security number and all personal information to make money off me and make more than what the debt was originally if any.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: NC

Complaint narrative:
I am writing to report unauthorized inquiries on my credit report. I discovered these inquiries while reviewing my credit report and do not recognize the companies that made them. 

I initially contacted Experian for assistance, but they directed me to the Federal Trade Commission ( FTC ). After attempting to file a report on the FTC website, I was redirected to the CFPB. 

I am requesting that these unauthorized inquiries be removed from my credit report immediately. I contacted XXXX XXXX and they confirmed that they only pulled my credit report once, though my report shows two inquiries from them. They stated that they did not report that they pulled my credit twice. I am concerned about the accuracy of the information the bureau is verifying. 

Thank you for your time and attention to this matter. I look forward to your prompt assistance in resolving this issue. 
Experian : XXXX XXXXXXXX XXXX is up there twice and XXXX XXXXXXXX is up there twice Transunion : XXXXXXXX XXXX XXXXl is up there twice, XXXXXXXX XXXX XXXXXXXX XXXX is up there twice should only be one time, XXXX  and 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 2025-04-10 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: FL

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023 These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-04-10 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Dispute Regarding Social Security Breach Dear Sir/Madam, I am writing to formally dispute the inaccuracies related to my Social Security account XXXX to the breach that occurred in XXXX. 

I believe that my personal information has been compromised, leading to unauthorized access and potential misuse. I request a thorough investigation into this matter and any necessary actions to rectify the discrepancies caused by this breach. 

Please find attached any documentation that support my claim, including ( list any relevant documents, such as identification, proof of address, or any notices received ). I would appreciate your prompt attention to this matter and response at your earliest convenience. 

Thank you for your assistance. 

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account # : XXXX XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Account # : XXXX XX/XX/XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Account # : XXXX XX/XX/XXXXXXXX XXXX XXXX Account # : XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: FL

Complaint narrative:
Subject : Dispute Regarding Social Security Breach Dear Sir/Madam, I am writing to formally dispute the inaccuracies related to my Social Security account XXXX to the breach that occurred in XXXX. 

I believe that my personal information has been compromised, leading to unauthorized access and potential misuse. I request a thorough investigation into this matter and any necessary actions to rectify the discrepancies caused by this breach. 

Please find attached any documentation that support my claim, including ( list any relevant documents, such as identification, proof of address, or any notices received ). I would appreciate your prompt attention to this matter and response at your earliest convenience. 

Thank you for your assistance. 

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account # : XXXX XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Account # : XXXX XX/XX/XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Account # : XXXX XX/XX/XXXXXXXX XXXX XXXX Account # : XXXX XX/XX/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 2025-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on 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 these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I have debt fom student loans that I never took out from nelnet student loans acount : XXXX open date : XX/XX/2014 amount : XXXX, XXXX, XXXX, XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Subject : Fraud Claim Dispute Request for Reinvestigation and Evidence Disclosure I am disputing a series of unauthorized charges under claim number XXXX filed with Bank of America, related to fraudulent transactions on my credit card account ending in XXXX. 

From XX/XX/XXXX to XX/XX/year>, my vehicles XXXX driving recorder continuously documented my physical presence in XXXX, Pennsylvania. This data, along with daily parking receipts, XXXX XXXX transaction history, and flight itineraries, provides clear and consistent evidence that I was not in New York XXXX, where the disputed transactions occurred. 

Although I briefly traveled to New York on XX/XX/XXXX, I returned to XXXX on XX/XX/XXXX. XXXX logs and flight records confirm that I never visited any of the merchant locations where the fraudulent transactions occurred. 

Additionally, I lost my physical credit card in XX/XX/year> and had been using XXXX XXXX exclusively thereafter. Therefore, any transaction requiring a physical card swipe, chip insert, or tap during the disputed period could not have been made by me. 

I submitted a full evidence packet to Bank of America by fax on XX/XX/year>, including : A detailed written explanation of my fraud claim, XXXX driving records, Garage parking receipts in XXXX, XXXX XXXX transaction history, Flight records confirming my travel between XXXX and New York. 

I also called the bank afterward to confirm they had received the fax. However, on XX/XX/year>, Bank of America denied my fraud claim without providing any documentation or explanation. 

On XX/XX/year>, I contacted Bank of America again. A representative named XXXX informed me that my case was not closed, but he could not provide any official written communication confirming that my case was still under investigation. This inconsistent and evasive behavior has raised serious concerns about the handling of my claim.

I respectfully request the Consumer Financial Protection Bureaus assistance to : Require Bank of America to reopen and properly investigate my fraud claim ; Require Bank of America to provide all documents, evidence, and materials they relied upon in making their decision ; Require Bank of America to reverse and refund all unauthorized charges if no credible evidence can be produced. 

I am fully prepared to accept complete responsibility for any individual transaction if Bank of America can provide credible evidence ( such as signed receipts, surveillance footage, or device data ) proving that I personally authorized or conducted that specific transaction. 
Thank you very much for your attention and assistance in this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief