vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-02 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: EQUIFAX, INC.
State: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: NV

Complaint narrative:
I disputed an account # XXXX that XXXX XXXX have placed on my account. 
I have no legal obligation or legal binding contract signed with XXXX XXXX ; therefore, they should no be reporting on my credit report. 

I requested XXXX XXXX  to Validate the debt and they sent me a copy of my invoice with XXXX XXXX XXXX  ; THIS IS NOT VOLIDATING THE DEBT. 

MY RIGHTS ARE BEING VIOLATED AND I AM REQUEST EXPERIAN TO REMOVE FROM MY CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: CA

Complaint narrative:
I am unable to access my old Cash App account, which contains {$900.00}. I still have access to the original email and $ Cashtag linked to that account. I have followed all steps Cash App support provided, including receiving login codes to my verified email, entering the $ Cashtag, and providing all requested information such as my debit card and ID. 

Despite this, Cash App refuses to restore access, and the app says the account cant be recovered. I even opened a new Cash App account and verified it with a government-issued California ID , but they are still refusing to transfer or return the funds. 

Ive contacted support multiple times and have asked for escalation but received no help. Im asking the CFPB to intervene so that I can access my legally owned funds. 



Company Info : Company name : Cash App ( Square, Inc. ) Website : https : //cash.app

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: WA

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 non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Problem with the interest rate
Company: MOHELA
State: NY

Complaint narrative:
I am filing a complaint regarding a private student loan originally disbursed by XXXX ( or a XXXXaffiliated entity ) and now serviced by MOHELA. 
Loan Number : XXXX Original disbursement date : XX/XX/XXXX Original principal : {$8700.00} Interest rate : 8 % ( variable ) Repayment began : XXXX Current principal balance : {$9700.00} Total interest accrued : {$10000.00} Despite having been in repayment since XXXX, the interest on this loan has now exceeded the original amount borrowed. I was approximately XXXX XXXX XXXX at the time I took out this loan and was not fully informed of the long-term financial burden posed by such a high, variable interest rate. 
I am requesting a full loan audit and breakdown of interest accrual, including : A complete payment history Details on how interest has been calculated Review of any misapplied payments or capitalization practices Reassessment of the fairness and legality of the current loan terms Consideration for interest reduction or settlement I am also requesting that MOHELA or the original lender consider reducing the accrued interest or modifying the loan based on excessive and disproportionate growth of the debt. 
This is an unreasonable financial burden, especially for a loan that has been in repayment for over XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: TN

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request.

The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report. 
I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them. 
These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft. 
To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
Sincerely, XXXX XXXX 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 2025-05-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I am an American Express card holder. On XX/XX/XXXX, I made a purchase of a medication from a company named XXXX for {$190.00}. Soon, I realized that this company is a fraud, and they have the habit of sending medication again and again and charge on the credit card. So, In XX/XX/XXXX, I called and cancelled the old card ending in XXXX, and XXXX issued a new card ending in XXXX. 
So, on XX/XX/XXXX. XXXX XXXX  send me another supply of the same medication and charged on my cancelled card ending on XXXX. American Express paid the money on my cancelled card. In reasonable terms I explained to American Express that they should not have paid on my cancelled card. But they are bone-headed. They still want me to pay for their mistakes. 
This activity of American Express is unconscionable. This is a typical way they treat honest customers like me. I wand AmEx to credit my account with {$190.00} and reimburse me for my time spent on this case. I am an XXXX XXXX and my hourly fee is {$450.00}. So far, I have spent XXXX hours. Kindly review this case in Favour of truth and make a verdict.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-02 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: FL

Complaint narrative:
I was recently reviewing my Credit Report and noticed that there were fraudulent accounts that I did not authorize. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute inaccurate, fraudulent, or unverifiable information on my credit report. I request that this account be removed from my Credit Report XXXX XXXX XXXX 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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Alliance One, Inc.
State: CA

Complaint narrative:
A collection company bought a debt and is now saying I owe them which is illegal as I have never signed up to do business with any collection agencies regarding original debts I have

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: CA

Complaint narrative:
A collection company bought a debt and is now saying I owe them which is illegal as I have never signed up to do business with any collection agencies regarding original debts I have

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

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 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 2025-05-02 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: SC

Complaint narrative:
This account represents a fraudulent rental agreement that was opened without my authorization or consent. Under Section 605B of the FCRA, I am demanding the immediate removal of this fraudulent account from my credit report. 
As this is a clear case of identity theft, I request that you investigate this matter and delete the account within 4 days of receipt of this dispute, as required by law. Attached are copies of my identification and any supporting documents to substantiate this claim. 
Please confirm in writing that this account has been removed from my credit report. If you do not resolve this dispute within 4 days, I will escalate this matter to the Federal Trade Commission and other authorities as necessary. 
Thank you for your prompt attention to this urgent matter.

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 2025-05-02 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: NC

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 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 2025-05-02 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: RI

Complaint narrative:
these are following accounts affected and un authorized credit inquiries that will be attached in this complaint also. 



* * * * XXXX XXXX Account # XXXX Date Opened XX/XX/XXXX Balance {$200.00} XXXX, XXXX ( XXXX ) XXXX * * * * * * * * XXXX Account XXXX XXXX Date Opened XX/XX/XXXX Balance {$300.00} XXXXXXXX XXXX XXXXXXXX None provided * * * * * * * * * XXXX XXXX Account # XXXX Date Opened XX/XX/XXXX Balance {$820.00} XXXX XXXX XXXX, XXXX XXXX XXXX ) XXXX * * * * * * * * XXXX XXXXXXXX Account # XXXX Date Opened XX/XX/XXXX Balance {$1300.00} XXXX XXXX XXXX, XXXX XXXX XXXX ) XXXX * * * * * * * * * XXXX Account # XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX, XXXX None provided * XXXX * * * * * * XXXX XXXX XXXX Account # XXXX Date Opened XX/XX/XXXX Balance {$1000.00} XXXX XXXX, XXXX ( XXXX XXXX XXXX * * * * * * * * * XXXX XXXX XXXX Account # XXXX Date Opened XX/XX/XXXX Balance {$840.00} XXXX XXXX, XXXX ( XXXX ) XXXX * * * * * * * * XXXXXXXX XXXX Account # XXXX Date Opened XX/XX/XXXX Balance {$1400.00} XXXX, XXXX ( XXXX ) XXXX * * * * * * * * * XXXX XXXX XXXXXXXX XXXX Account # XXXX Date Opened XX/XX/XXXX Balance {$630.00} XXXX, XXXX ( XXXX ) XXXX * * * * * * * * * XXXX Account # XXXX Date Opened XX/XX/XXXX Balance - XXXX, XXXX ( XXXX ) XXXX * * * * * * * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX Date Opened XX/XX/XXXX Balance {$610.00} XXXX XXXX, XXXX ( XXXX ) XXXX * * * * * XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Date Opened XX/XX/XXXX Balance {$350.00} XXXX, XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX Date XXXX XX/XX/XXXX Balance {$640.00} XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX-XXXXXX Date Opened XX/XX/XXXX Balance {$630.00} XXXX, XXXX ( 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 non-monetary relief
Consumer complaint received 2025-05-02 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: CA

Complaint narrative:
I found that an inaccurate item was added to my credit report, XXXX XXXX XXXX. I can certify that I have never received " communication '' or " notice for validation of debts '' required by 15 USC 1692g and 12 CFR Part 1006.34, thus this item could not possibly qualify under FCRA. Equifax does not take sufficient steps to investigate and notify me about my dispute, resulting in the inclusion of incorrect information on credit reports. This derogatory information is causing me financial distress, and threaten my access to credit, employment, and housing. In addition, I was notified by Police XXXX XXXX XXXX XXXX  that I was a victim of identity theft with suspects arrested. Equifax failed to block the inaccurate information from my credit report no later than 4 business days after my request and failed to notify me of the reasons not doing so, violating 15 U.S.C. 1681c-2. Certified mails with electronic return receipt have been sent to Equifax with copies of evidence enclosed, including identification documents, a police report from XXXX XXXX  Police XXXX and investigation results from both other nationwide consumer reporting companies ( XXXX, XXXX  ) confirming that the item is inaccurate. I mailed the letter on XX/XX/2025, which was then delivered few days later. As of today ( XX/XX/2025 ), I have not yet received the investigation results, and the inaccurate item is still on my credit report. I am reattaching the evidence, along with FTC ID Theft Report to this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: SC

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 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 2025-05-02 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: CT

Complaint narrative:
Upon reviewing my credit report, I discovered several unauthorized accounts that I do not recognize. I contacted the credit bureaus to dispute these accounts and requested their removal. Unfortunately, the credit bureaus refused to remove them off my credit report. This issue is causing undue stress, and it's negatively affecting my financial standing.

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 2025-05-02 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: LA

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: NC

Complaint narrative:
I am a victim of identity theft. A random address appeared on my Transunion report as my " current address ''. I contacted Transunion multiple times and opened more than one dispute to remove this address but they denied my request. The address in dispute is : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. I NEVER lived at this address, It does NOT belong to me.

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 2025-05-02 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: NJ

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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 presume 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