vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: GA

Complaint narrative:
In XX/XX/year> my cash app account was closed with not notice, I reached out to cash app customer service and was told that I violated the terms. When I requested information as to what I violated I was not given any explanation except that would email me the terms and conditions. I emailed them again in XXXX asking what terms was violated after I read through the terms and conditions and did not find anything that I sis or conducted that would violate the terms. There is no reason that a banking institution should close a consumers account with nor explanation or proof that there was any wrongdoing and this should be regulated better.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXXXXXX & XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

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 2025-04-20 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 am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : 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  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX  year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Equifax Credit Bureau has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don & XXXX XXXXXXXX ; t understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: CA

Complaint narrative:
This correspondence serves as a formal follow-up and final notice regarding your continued noncompliance with the Fair Credit Reporting Act ( FCRA ), despite my previous dispute dated XX/XX/XXXX. To date, you have failed to conduct a proper reinvestigation of the disputed account listed below, nor have you provided the legally required verification documentation in response to my demand under FCRA 611 ( a ).

Let me remind you that under FCRA 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 5 ), you are obligated to complete a reasonable reinvestigation of disputed information and to delete or modify any unverifiable data. Additionally, under FCRA 623 ( b ), data furnishers must investigate and report the results of the reinvestigation to the credit reporting agency in a timely and accurate manner. Your failure to do so not only undermines the integrity of the credit reporting system but also exposes your organization to significant legal liability under FCRA 617 for damages resulting from your willful or negligent noncompliance. Documentation Still Required : Despite my prior request, you have not produced any of the following : 1.A copy of the original creditor agreement bearing my signature ( if applicable ) ; 2.Records or communications used to verify the accuracy of the disputed information ; 3.Documentation outlining your reinvestigation procedure and final findings.

Without this verification, continued reporting of inaccurate information violates FCRA 611 ( a ) ( 5 ) ( A ), which explicitly requires deletion if information can not be verified. 

Continued Noncompliance Legal Implications You are now in a clear pattern of willful noncompliance. I remind you of the precedent set in : XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) where failure to conduct a reasonable reinvestigation was held as willful noncompliance ; XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) where damages were awarded due to inaccurate reporting and failure to properly reinvestigate. 

I reserve all rights to pursue monetary damages, including : Statutory damages up to {$1000.00} per violation ; Punitive damages for willful noncompliance ; Compensation for actual damages, including emotional distress and credit denials ; Legal fees and court costs, if litigation becomes necessary. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 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: Affirm Holdings, Inc
State: GA

Complaint narrative:
I am filing this complaint because Affirm is continuing to report a late payment on an account that has been paid in full and closed, despite multiple good-faith efforts on my part to resolve the matter. 

The account was opened on XX/XX/XXXX, for a purchase of hair extensions from XXXX XXXX XXXX in the amount of {$600.00}. Due to a period of temporary financial hardship, I missed a payment. Since then, I have paid the full balance, and the account is now listed as " XXXX '' and " Closed '' on my credit report. 

Affirm continues to report the late payment, which is negatively impacting my credit score. On XX/XX/XXXX, I submitted a formal dispute through Experian under my rights provided by the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), which allows consumers to dispute any information they believe is inaccurate, incomplete, or unverifiable. The dispute was denied on XX/XX/XXXX, and updated and denied again on XX/XX/XXXX. 

I also submitted multiple goodwill adjustment requests directly to Affirm. The first was sent on XX/XX/XXXX, and the second on XX/XX/XXXX. Both were denied. I sent a follow-up goodwill request via email to Affirms customer support team on XX/XX/XXXX, requesting once again that the late payment be removed. 

According to the FCRA, information furnished to consumer reporting agencies must be accurate, complete, and reflect the current status of the account. Although the late payment may have been factually correct at one time, the reporting no longer reflects my present credit behavior, as the account is now paid in full and closed. I am respectfully requesting that Affirm reconsider this late payment as a goodwill adjustment in light of my efforts to resolve the account and improve my credit. 

As my direct requests have not led to a resolution, I am seeking the assistance of the Consumer Financial Protection Bureau to ensure that the issue is thoroughly reviewed and that this late payment is removed from my credit report in accordance with the intent and protections of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XXXX XXXX I got an alert about an unauthorized credit inquiry. 

The employee asked me to put my phone number in. He never told me I would be applying for a credit card. I didnt even put my social security number in so Im not sure how they were able to run my credit without my acknowledgment or permission.

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 2025-04-20 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: NY

Complaint narrative:
I am filing this complaint regarding unlawful credit reporting, undisclosed securitization, and continued attempts to collect on an account that has already been monetized, transferred, or discharged. 

After applying for and receiving a credit card from XXXX  XXXX XXXX, I later found ; based on SEC filings, trust prospectuses, and investor disclosures that the receivables generated from my account were securitized, pooled into asset-backed securities, and transferred to a trust. These actions appear to constitute a full or partial satisfaction of the debt under applicable law. 

Despite this, the creditor continue to report the account as a charge-off with derogatory remarks, claiming a loss while also demanding further repayment. I have not received a Form 1099-C, which is required under IRS regulations if the creditor claims a loss of {$600.00} or more. The contradictory handling, claiming a charge-off while simultaneously continuing collection efforts is deceptive and violates the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and may constitute unfair, deceptive, or abusive acts or practices ( UDAAP ) under the Dodd-Frank Act. 

In addition, the institution continues to run soft inquiries on my credit report without authorization, even after the account was closed, falsely stating that it was done at my request. These soft pulls are unwarranted, damaging, and further compound the harm caused. 

I am demanding that all derogatory credit remarks be removed and the account ( s ) be updated to reflect Paid in Full or Settled status, consistent with the institutions own handling of the asset and in accordance with applicable credit reporting standards. I am also requesting full disclosure of all transfers, securitization activity, charge-off filings, and any tax reporting associated with the account, including any Form 1099-C or equivalent.

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 2025-04-20 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: NY

Complaint narrative:
I am filing this complaint regarding unlawful credit reporting, undisclosed securitization, and continued attempts to collect on an account that has already been monetized, transferred, or discharged. 

After applying for and receiving a credit card from XXXX  XXXX XXXX, I later found ; based on SEC filings, trust prospectuses, and investor disclosures that the receivables generated from my account were securitized, pooled into asset-backed securities, and transferred to a trust. These actions appear to constitute a full or partial satisfaction of the debt under applicable law. 

Despite this, the creditor continue to report the account as a charge-off with derogatory remarks, claiming a loss while also demanding further repayment. I have not received a Form 1099-C, which is required under IRS regulations if the creditor claims a loss of {$600.00} or more. The contradictory handling, claiming a charge-off while simultaneously continuing collection efforts is deceptive and violates the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and may constitute unfair, deceptive, or abusive acts or practices ( UDAAP ) under the Dodd-Frank Act. 

In addition, the institution continues to run soft inquiries on my credit report without authorization, even after the account was closed, falsely stating that it was done at my request. These soft pulls are unwarranted, damaging, and further compound the harm caused. 

I am demanding that all derogatory credit remarks be removed and the account ( s ) be updated to reflect Paid in Full or Settled status, consistent with the institutions own handling of the asset and in accordance with applicable credit reporting standards. I am also requesting full disclosure of all transfers, securitization activity, charge-off filings, and any tax reporting associated with the account, including any Form 1099-C or equivalent.

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 2025-04-20 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: NY

Complaint narrative:
I am filing this complaint regarding unlawful credit reporting, undisclosed securitization, and continued attempts to collect on an account that has already been monetized, transferred, or discharged. 

After applying for and receiving a credit card from XXXX  XXXX XXXX, I later found ; based on SEC filings, trust prospectuses, and investor disclosures that the receivables generated from my account were securitized, pooled into asset-backed securities, and transferred to a trust. These actions appear to constitute a full or partial satisfaction of the debt under applicable law. 

Despite this, the creditor continue to report the account as a charge-off with derogatory remarks, claiming a loss while also demanding further repayment. I have not received a Form 1099-C, which is required under IRS regulations if the creditor claims a loss of {$600.00} or more. The contradictory handling, claiming a charge-off while simultaneously continuing collection efforts is deceptive and violates the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and may constitute unfair, deceptive, or abusive acts or practices ( UDAAP ) under the Dodd-Frank Act. 

In addition, the institution continues to run soft inquiries on my credit report without authorization, even after the account was closed, falsely stating that it was done at my request. These soft pulls are unwarranted, damaging, and further compound the harm caused. 

I am demanding that all derogatory credit remarks be removed and the account ( s ) be updated to reflect Paid in Full or Settled status, consistent with the institutions own handling of the asset and in accordance with applicable credit reporting standards. I am also requesting full disclosure of all transfers, securitization activity, charge-off filings, and any tax reporting associated with the account, including any Form 1099-C or equivalent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: OR

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, CHALLENGED OR NOT.

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 2025-04-20 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: GA

Complaint narrative:
Please take action to block and delete the unauthorized accounts from my credit report at your earliest convenience. I have no knowledge of these accounts, nor did I approve their creation. In compliance with USC 1681g, I am requesting they be removed within 15 days. Enclosed are documents for your evaluation. Its important to note that each bureau is reporting different and inaccurate details for the same accounts.

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 2025-04-20 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:
I am writing to formally dispute certain accounts and inquiries listed on my consumer credit report, as referenced below. These entries appear to be the result of a data breach and/or fraudulent activity. I also dispute any unauthorized inquiries and demand verifiable proof, including documents bearing my signature or electronic authorization. 

I have never authorized these actions, and their presence on my credit report constitutes a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically : Section 605B Block of information resulting from identity theft or fraud [ 15 U.S.C. 1681c-2 ] Section 604 Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] I have contacted the companies in question and have found that these actions were initiated without compliant validation or original documentation. Therefore, I assert that these accounts and inquiries are inaccurate and unauthorized. They are a result of either a data breach or unlawful reporting by creditors or third-party data furnishers.

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 2025-04-20 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: EQUIFAX, INC.
State: AL

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, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

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