vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AZ

Complaint narrative:
Subject : Complaint Regarding Dispute with Cash App and XXXX XXXX Dear CFPB, I am writing to formally file a complaint regarding a transaction I made with a company called XXXX XXXX based in Texas. I ordered products totaling {$380.00}, which were shipped but subsequently lost in the mail. I filed a claim with XXXX for the lost items, and they indicated that the business must issue a refund.

Despite my efforts to resolve this issue, I have faced significant difficulties. I disputed the transaction through Cash App, providing all relevant documentation, including screenshots from XXXX and my invoice. Unfortunately, my dispute was denied twice. The denial stated : Dispute denied. We reviewed your dispute with XXXX XXXX for {$380.00}, and based on the information available to us, our investigation has led us to determine that the merchant fulfilled their obligations for the goods/services associated with this transaction.

This response is inaccurate, as I did not receive the products I paid for. Additionally, Cash App 's denial provided no explanation of the investigation process, leaving me feeling frustrated and unheard.

I am seeking your assistance in this matter. I believe that both Cash App and XXXX XXXX have not acted fairly regarding this transaction, and I would appreciate any help you can provide in recovering my funds.

Thank you for your attention to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. The information in question is Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXEmployer - XXXX XXXX-Incorrect Name : - XXXX XXXX XXXXIncorrect Previous Address XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXEmployer XXXX XXXX XXXXEmployer - XXXX XXXX. This information is incorrect because it does not belong to me or it is outdated. I have attached copies of document and request letter to support my claim.

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 2025-04-25 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: CA

Complaint narrative:
After carefully reviewing the information tied to this account, Ive noticed several discrepancies that raise concerns. Some of the data does not appear to be mine, and there are entries that I dont recognize or recall authorizing. This includes inconsistencies in personal details, activity records that dont align with my usage, and other anomalies that suggest the account may contain mixed or inaccurate data. Given the nature and volume of these issues, I no longer have confidence that the data on file accurately reflects my information alone.

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 2025-04-25 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: MI

Complaint narrative:
Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXXXXXX XXXX {$5500.00} XXXX  XXXX XXXX {$1500.00} XXXX  XXXX {$600.00} XXXX  XXXX XXXX {$1000.00} Bankruptcy XXXX  XXXX Dated XXXX.2018 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 

Also the following addresses are reported incorrectly : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX MI 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 2025-04-25 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: SC

Complaint narrative:
To whom it may concern, I am writing to formally dispute multiple unauthorized accounts and inquiries that appear on my credit report. According to the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. Using an XXXX XXXX IS FAULTY AND SHOULD NOT BE CONSIDERED A THOROUGH INVESTIGATION AND I AM AWARE THIS IS WHATS HAPPENING! Credit bureaus are obviously failing to investigate when Im providing documentation of my true identity and false names are still being reported which is NOT my name. The addresses and names for each credit bureau should match. XXXX XXXX XXXX XXXX, SC XXXX is my address but you are reporting addresses I do not affiliate with. I have also identified the following accounts and inquiries on my credit report that I did not authorize or provide written consent for and have not been properly investigated : Accounts : XXXX XXXX XXXX : XXXX Inquiries 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 2025-04-25 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: TX

Complaint narrative:
On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later, I have not received a response yet. 
I feel like Im being taken advantage of and being ignored for my disputes. 
Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person.

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 2025-04-25 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: PA

Complaint narrative:
I reviewed my credit reports and found multiple hard inquiries that I did not authorize. I never submitted applications, gave written instructions, or otherwise permitted these companies to access my credit file on the listed dates. These inquiries were pulled without my knowledge or consent, and no permissible purpose exists under the Fair Credit Reporting Act ( FCRA ) for their presence on my reports. 

I contacted the credit bureaus and submitted formal dispute letters, requesting removal of the inquiries unless documentation could be provided to prove I authorized them. Despite this, the inquiries remain, and I have not received sufficient proof that they were lawfully initiated. The continued reporting of these inquiries is harming my credit profile and exposes me to potential risks of fraud and financial harm.

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 2025-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I am writing to formally dispute the inaccurate collection account currently appearing on my credit report. This account was sent to collections in error by the original creditor. 

When the original account was open, I requested a replacement card. At the time, the balance on the account was {$870.00}, which I paid in full upon receipt of the new card. Despite this, the creditor erroneously associated the old account number and its previous balance with a collection status and forwarded it to a collection agency. 

I contacted the creditor directly, and they acknowledged their error and agreed that the collection should not have been reported. At one point, the collection was removed from my credit report, confirming that the creditor had taken corrective action. However, the collection agency continues to reinsert this account, which constitutes a violation of my consumer rights. 

Under the Fair Credit Reporting Act ( FCRA

), 15 U.S. Code 1681i, if a disputed item is found to be inaccurate or incomplete, it must be corrected or deleted within 30 days. Re-insertion of previously deleted data must also be preceded by certification of accuracy by the data furnisher, as required under 1681i ( a ) ( 5 ) ( B ). If the collection agency has not certified the validity of this debt to the credit bureau, this re-insertion is unlawful. Furthermore, under New York General Business Law 380-j, if a consum
er disputes information on their credit report, the reporting agency is required to reinvestigate and delete any information that can not be verified within 30 days. Re-reporting of information that has previously been removed due to inaccuracies is also restricted under state law. 

Given that the creditor has admitted this was an error, and the information has already been removed once, I request that this negative account be permanently deleted from my credit report. Please provide written confirmation of the results of your investigation, and remove or correct the disputed information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: SC

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. The information in question is Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXEmployer - XXXX XXXX-Incorrect Name : - XXXX XXXX XXXXIncorrect Previous Address XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXEmployer XXXX XXXX XXXXEmployer - XXXX XXXX. This information is incorrect because it does not belong to me or it is outdated. I have attached copies of document and request letter to support my claim.

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 2025-04-25 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: SC

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. The information in question is Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXEmployer - XXXX XXXX-Incorrect Name : - XXXX XXXX XXXXIncorrect Previous Address XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXEmployer XXXX XXXX XXXXEmployer - XXXX XXXX. This information is incorrect because it does not belong to me or it is outdated. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me crWedit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-25 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me crWedit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I applied for a mortgage with Navy Federal Credit Union ( NFCU ) and was denied three separate times despite providing all required documentation. One of the main reasons for denial was an alleged lease obligation used in the debt-to-income ( DTI ) calculation. However, the lease in question is under a corporation XXXX XXXX XXXX not a personal lease. It was signed by XXXX XXXX in her role as Manager, not as a personal guarantor. The lease expires on XX/XX/year>2025. 

Despite this being a business lease, NFCU applied it as a personal liability in the DTI calculation but refused to acknowledge the rental income generated by the XXXX from the same property. This created a false and unfair financial picture. 

I submitted corrected and complete information each time and even went through their internal appeals process, yet was denied again without a clear or legally justified explanation. The denials appear arbitrary and inconsistent, possibly violating the Equal Credit Opportunity Act ( ECOA ), Truth in Lending Act ( TILA ), and unfair lending standards. 

I have sent a formal demand letter to Navy Federals legal department and am requesting immediate investigation and resolution

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: PA

Complaint narrative:
I continue to dispute inaccurate, incomplete, and unverifiable information on my credit report and this agency is NOT complying with the Fair Credit Reporting Act. This is the last time that I am disputing this information before I proceed with legal action. Please see attached

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 2025-04-25 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX  AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX. 

Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Balance {$6.00} Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - XXXX XXXX XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
My personal information was stolen and used to open fraudulent credit cards. I had no knowledge of these credit cards until I checked my credit. Capital One XXXX XXXX XXXX XXXX credit cards

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
Credit and Social Security information was given out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: LA

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 2025-04-25 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: CL Holdings LLC
State: VA

Complaint narrative:
I am disputing inaccurate and unverifiable information that is appearing on my consumer credit report. Under my rights pursuant to the Fair Credit Reporting Ace ( 15 U.S.C 1681 ), I requested that the information be verified. The companies failed to provide proper validation or documentation proving the accuracy and completeness of the account. As a result, the continued reporting of this information is a violation of federal law. 

I have attempted to resolve this matter directly with the reporting company without success. I am requesting that the Consumer Financial Protection Bureau assist in enforcing my rights to a fair and accurate credit report by requiring the companies to either verify the information with documented proof or remove it from my credit report entirely. 

Thank you for your attention to this serious matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: Aldous & Associates, PLLC
State: VA

Complaint narrative:
I am disputing inaccurate and unverifiable information that is appearing on my consumer credit report. Under my rights pursuant to the Fair Credit Reporting Ace ( 15 U.S.C 1681 ), I requested that the information be verified. The companies failed to provide proper validation or documentation proving the accuracy and completeness of the account. As a result, the continued reporting of this information is a violation of federal law. 

I have attempted to resolve this matter directly with the reporting company without success. I am requesting that the Consumer Financial Protection Bureau assist in enforcing my rights to a fair and accurate credit report by requiring the companies to either verify the information with documented proof or remove it from my credit report entirely. 

Thank you for your attention to this serious matter.

Company response to consumer: Closed with explanation