vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: 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 ). Specificaly, 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 2025-02-04 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: TX

Complaint narrative:
EQUIFAX DATA BREACH - VERIFIED THROUGH THE SITE XXXX XXXX AND CREDIT INFORMATION WAS BREACHED

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
There were XXXX credit cards that were opened in my name on XX/XX/XXXX and XXXX, XXXX. I kept receiving emails and texts saying I needed to pay a bill but I did not take any of them out, so I took them for spam and deleted them. In XXXX I kept receiving them so I checked my credit report and found them to be active in my name. I immediately reached out to my ID theft insurance company and they helped me contact each company to stop the accounts, remove them, and stop any further inquiries into opening credit cards in my name. 

The Credit Cards were : 1. Citi Bank XXXX XXXX XXXX- {$0.00} balance 2. Citi bank - general card- {$2400.00} balance 3. Citi bank - The Home Depot- {$0.00} balance 4. XXXX XXXX - XXXX - {$0.00} balance 5. XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$1700.00} balance

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 2025-02-04 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: MI

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: FL

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. ) XXXX XXXX {$2900.00} ) I was contacted XXXX later about damage to a leased vehicle I returned in excellent condition. I requested proof and nothing was sent.

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 2025-02-04 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: WI

Complaint narrative:
I am formally disputing the following late payment entries on my credit report : XXXX XXXX XXXX - {$5600.00} XXXX XXXX XXXXXXXX - {$10000.00} XXXX XXXX - XXXX - {$240.00} XXXX - XXXX - {$2200.00} XXXX XXXX XXXXXXXX - {$0.00} These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX I am writing to formally address concerns regarding the handling of my personal information, specifically in relation to the Fair Credit Reporting Act ( FCRA ), as outlined in 15 USC 1681, the Fair and Accurate Credit Transactions Act ( FACTA ), under 15 USC 1682b, and the identity theft provisions under 18 USC 1028A and 15 USC 6802.

1. Fair Credit Reporting Act ( 15 USC 1681 ) : As a consumer, I am entitled to receive accurate and complete information regarding my credit history. If there have been any inaccuracies or unauthorized entries in my credit report, I request an immediate investigation and correction as per the provisions of the FCRA.

2. Disclosure of Consumer Information ( 15 USC 1682b ) : I would like to remind you that under the provisions of FACTA, any consumer reporting agency may furnish a consumer report only under certain conditions. If my information has been shared without my consent or in violation of the law, I demand that this practice cease immediately, and that I be notified of any disclosures made.

3. Identity Theft Protections ( 18 USC 1028A ) : The unauthorized use of my personal information constitutes identity theft, which is a federal crime. If my information has been compromised, I urge you to take appropriate measures to prevent further unauthorized access and to notify me promptly of any such incidents.

4. Privacy of Consumer Financial Information ( 15 USC 6802 ) : I expect that your organization has taken the necessary steps to secure my personal financial information. If my information has been disclosed without my consent, I request a full accounting of the parties involved and the measures taken to protect my data. 

Please provide a written response to this letter within 30 days, detailing the actions you will take to address these concerns and ensure compliance with the aforementioned statutes. 

Thank you for your prompt attention to this serious matter. I look forward to your timely response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Recently, I did an invest

igation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my cr
edit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Recently, I did an invest

igation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my cr
edit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: WA

Complaint narrative:
On XX/XX/year> Mohela received a payment of {$400.00} and is currently reporting my loans as past due on XX/XX/year>. In addition, Mohela is withholding {$2100.00} ( {$130.00}, {$540.00}, and {$1500.00} ) of overpayment funds for loans XXXX, XXXX and XXXX ( loans forgiven ) and they are refusing to refund my overpayments. 

XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
This debt has been paided off but it is still on my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I called XXXX XXXX apartments and asked for a updated resident ledger. This call was made on XX/XX/year> @ XXXX XXXX. XXXX XXXX is the community manager that I spoke with she sent the a copy of the ledger to my email. I looked over everything and I have a XXXX balance on each page. It's not reflecting what's on my credit report. Account number XXXX with National credit systems with a balance of {$13000.00}. I do not own them anything. I also called National credit systems the same day and they don't even have my collections account another company name XXXX XXXX XXXX law has it. I talked a man name XXXX that was very rude. I asked if he could prove that I owe, he said you just need to pay your debt. I am asking that this be remove from credit using 15 US code 1692g ,15 US code 16815-2, 15 US code 1681i, 15 US code 1681iaa. Thank in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My Payment history is all inaccurate all over Transunion report. Attached youll see documented proof of payment history on my XXXX XXXX Account XXXX XXXXXXXXbut yet my accounts show lateness when they were never late. Just recently last month XX/XX/XXXX my report shows XXXX  in XX/XX/XXXX and XXXX  in XX/XX/XXXX and a 30 day lateness in XXXX despite me making 4 large payments in the month of XXXX alone. How is this even possible? Also, they have latenesses reporting in XXXX, XXXX, XX/XX/XXXX in addition to XXXX, XXXX, XX/XX/XXXX. Ive attached the proof of payment history along with the inaccurate credit reporting info.

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 2025-02-04 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: MD

Complaint narrative:
I am sending this complaint to formally dispute an inaccurate late payment reported on my credit report for my mortgage account with XXXX XXXX ( Account number : XXXX ), which was reported as a late payment.

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 2025-02-04 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: GA

Complaint narrative:
I have requested twiceonce in XXXX and XXXX XXXX XXXX XXXX and XXXX XXXX XXXX provide validation for this account. Each time, the companies has failed to provide the required debt validation as mandated by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g within the 30-day period and when they finally responded on XX/XX/2025, I did not receive the following information as requested. 

When a consumer disputes an account and requests debt validation, the company or debt collector is legally required to provide documentation proving the debt is valid. If they fail to do so within 30 days, they must cease all collection efforts until proper validation is provided. If not, the account must be removed from your credit reports. 

Required Debt Validation Documentation, but not limited to : XXXX. Proof of the Debt : - A copy of the original signed contract or agreement that created the debt. 
- Documentation showing a breakdown of the balance, including principal, interest, fees, and any other charges. 

XXXX. Creditor Information : - Proof that the creditor legally transferred or assigned the debt to a collection agency ( if applicable ). 

XXXX. Payment and Account History : - A detailed record of payments made and how the balance was calculated. 
- Evidence of late fees, interest, or penalties added to the account. 

XXXX. Legal Authority to Collect : - Documentation proving that the company attempting to collect has the legal right to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: GA

Complaint narrative:
I have requested XXXX in XXXX and XXXX 2024that XXXX XXXX and XXXX XXXX XXXX provide validation for this account. Each time, the companies has failed to provide the required debt validation as mandated by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g within the 30-day period and when they finally responded on XX/XX/year>, I did not receive the following information as requested. 

When a consumer disputes an account and requests debt validation, the company or debt collector is legally required to provide documentation proving the debt is valid. If they fail to do so within 30 days, they must cease all collection efforts until proper validation is provided. If not, the account must be removed from your credit reports. 

Required Debt Validation Documentation, but not limited to : XXXX. Proof of the Debt : - A copy of the original signed contract or agreement that created the debt. 
- Documentation showing a breakdown of the balance, including principal, interest, fees, and any other charges. 

XXXX. Creditor Information : - Proof that the creditor legally transferred or assigned the debt to a collection agency ( if applicable ). 

XXXX. Payment and Account History : - A detailed record of payments made and how the balance was calculated. 
- Evidence of late fees, interest, or penalties added to the account. 

XXXX. Legal Authority to Collect : - Documentation proving that the company attempting to collect has the legal right to do so.

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 2025-02-04 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: TX

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to follow up on my previous correspondence dated XX/XX/XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity.

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes. 
I kindly request the following : XXXX. Immediate removal of the erroneous address from my credit report. 
XXXX. An updated credit report reflecting the corrected information. 
XXXX. Written confirmation of the actions taken to resolve this dispute. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation