vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-30 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: FL

Complaint narrative:
I am writing to follow up on my previous correspondence dated XX/XX/XXXX, in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( CFPA ) : Creditor/Collection Agency Name : XXXX XXXX XXXX Account Number : XXXX Amount : {$1300.00} Date of Account : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
A check in the amount of {$34000.00} was endorsed to me. I deposited it, on XX/XX/year> and waited the ten days on hold. My balance at that time was {$1.00}. on XX/XX/year> it went to Available Balance. On XXXX XXXX I went to local branch and withdrew, {$30000.00} in cashiers checks. The bank manager was called over to authorize it because of the large amount. There was no problem. Leaving a balance of {$4000.00}. I went back about XXXX minutes later to get cash to go to casino and teller said it was frozen. Bank manager said, that I was just there and it wasn't frozen. He called and asked people on phone. Got nowhere because they said it may be fraudulent. It's not. Bank hasn't lost any money, the bank it came from hasn't lost any money, {$30000.00} cashiers checks got their money, no problem. Nothing has bounced their hasn't been any complaints.I have never done anything illegal in my life, not even a ticket. I've called multiple times and they hangup on me now. I requested my last bank statement and it's ending balance is {$0.00}. no fees for insufficient funds and says my deposits for the month of XXXX was {$64000.00} and withdraws {$64000.00}. they have kept {$4000.00} and said it will go to my state government after 2 years and I can put in a claim for it with the state. Obviously there is no fraud but they still won't give me my money. Please please help me. I tried to get help within their company ( Chase Bank ) and I just found out you existed. I did nothing wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX Way XXXX XXXX XXXX XXXX, Texas, XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX **Subject : Dispute of Inaccurate Credit Report Information** Dear XXXX Dispute Department, I am writing to formally dispute an inaccurate account reported on my credit file. The account in question appears under the name **Consumer Adjustment Company** with an original creditor listed as **CashNetUSA** and an account number ending in **95**.

The reported information contains inaccuracies, and I request an immediate investigation and removal/correction of the account. Specifically, the following issues exist : 1. The debt is being reported with inaccurate personal information Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute incorrect information, and the credit bureau must investigate the claim within 30 days. Please provide me with a written statement confirming the results of your investigation and whether the account has been removed or corrected. 

For your reference, I have attached a copy of my credit report highlighting the disputed item, as well as any supporting documents. 

Thank you for your prompt attention to this matter. I appreciate your cooperation in ensuring my credit report remains accurate. If you need further information, feel free to contact me at the number or email provided above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXX - XXXX - {$0.00} XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX Name : XXXX XXXX XXXX Also XXXX As : XXXX, XXXX, XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX MA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, MA XXXX These entries remain unverified and highly suspicious. Despite my repeated efforts to have these inaccuracies investigated and resolved, no meaningful action has been taken. I have provided all the necessary documentation and followed up several times, yet the errors persist. This prolonged inaction has not only caused unnecessary financial strain but has also significantly impacted my overall well-being. The mental and emotional stress from dealing with these unresolved inaccuracies has been overwhelming. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit 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 2025-01-30 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: MA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CEPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding XXXX XXXX XXXX XXXX XXXX  against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts that I have marked inaccurate : XXXX XXXX for a balance of {$290.00} opened XX/XX/XXXX XXXX XXXX XXXX for a balance of {$370.00} opened XX/XX/XXXX XXXX XXXX for a balance of {$1100.00} opened XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
National Credit System contacted me in XX/XX/year>, via phone, regarding a debt. I advised the representative that I was currently in Bankruptcy. I provided my case number and attorney 's information and she hung up on me. My Bankruptcy was discharged on XX/XX/year>. As soon as my bankruptcy was discharged, Nation Credit System reported this debt to all credit bureaus. This is a discharged debt. I am no longer responsible for it. I also advised the original creditor, The Guarantors, about the bankruptcy in XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo Home Mortgage continues to fail to comply to and acknowledge : Affiants cease and desist request Affiants P.O.A. authorization and documentation Affiants signed and sworn and notarized affidavit Affiants lawful request of required information respondent, Wells Fargo Home Mortgage is required by law to show, prove and produce All emails, XXXX mail, supporting documents are all in affiants possession Affiants are not legal fictions, corporations Affiants are living breathing flesh and blood men and women let all assumptions and presumptions stand corrected NOW Let Common Law Jurisdiction Be established now concerning this proceeding Let the laws of equity be set forth

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 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

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 action to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: MD

Complaint narrative:
I recently reviewed my credit report and discovered an unauthorized hard inquiry from XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX 

I did not apply for credit, authorize this inquiry, or provide my personal information to this company. I believe this is a case of identity theft and request that this fraudulent inquiry be removed from my credit report. 

Additionally, I am concerned that my personal information may have been compromised and misused for unauthorized credit applications. I have not given consent for any recent credit inquiries or new accounts. I request assistance in investigating this matter and taking necessary steps to secure my identity. 

Please provide guidance on next steps to dispute and remove this unauthorized inquiry from my credit report. I am willing to provide any further documentation required to support my claim. Thank you for your assistance

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 2025-01-30 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: MD

Complaint narrative:
I recently reviewed my credit report and discovered an unauthorized hard inquiry from XXXX, CONSUMER PORTFOLIO SVC, CREDIT ACCEPTANCE, XXXX XXXX XXXX XXXX XXXX LENDING SERVICE, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and XXXX XXXX XXXX XXXX 

I did not apply for credit, authorize this inquiry, or provide my personal information to this company. I believe this is a case of identity theft and request that this fraudulent inquiry be removed from my credit report. 

Additionally, I am concerned that my personal information may have been compromised and misused for unauthorized credit applications. I have not given consent for any recent credit inquiries or new accounts. I request assistance in investigating this matter and taking necessary steps to secure my identity. 

Please provide guidance on next steps to dispute and remove this unauthorized inquiry from my credit report. I am willing to provide any further documentation required to support my claim. Thank you for your assistance

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 2025-01-30 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: TX

Complaint narrative:
I sincerely urge you to expunge this entry from my credit report as it is not linked to me and is clearly fraudulent. I kindly request a thorough investigation and prompt correction of this inaccuracy in my credit history.

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 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OK

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: MT

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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 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

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 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
Fraud activity with my cards on account my information & my account. Cash app just closed my account with no reason to my knowledge. The fraudulent activity was not done by me. Also the issue was a reported issue then my account closed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: CITIBANK, N.A.
State: IL

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer 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 2025-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: LJ Ross Associates
State: NV

Complaint narrative:
I dont owe anyone anything. So how is this on my credit? 
I have provided my FTC report, Police report, passport and SS info. 
XXXX just admitted I was part of there data breach victims. XXXX has shown I was part of there data breach along with XXXX. 
I have submitted and filed a police and FTC report well over 2 years ago. Which shows fraud was committed on my SSN. 

Please provide me with a XXXX XXXX XXXX and a Chain of Assignment. In regards to this account. Original holder of account is a utility company it says in the amount of XXXX. Doesnt name the utility company on the credit report. 
My name is XXXX XXXX I have not open a account with any utility company. 
Located in XXXX XXXX. 
Do not call or harass me. Cease and Desist unless you are contacting me about removing this off my credit reports. 
I'm ready to file small claims case in the full amount of XXXX. In which your company will have to hire a lawyer and show up to court. With documents saying this account is mine and I have my police report and my FTC fraud report in hand to say otherwise. 
Please review my complaints I filed against your company with CFPB and XXXX. Immediately remove this from my credit reports

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: FL

Complaint narrative:
New investigation Dear Credit Bureau, I would like a full investigation on the account listed below : Creditor : Account : Reason : Instruction : In the last letter you sent to me, you stated that you already processed my dispute and that the grantor has verified its accuracy. You also quoted the law and stated that you will not reinvestigate the same dispute again at this time. Well according to the FCRA, if I have new and relevant information, the credit bureaus must start a new investigation. Im I right with this one? I dont know the laws like you do, but I do know how to look on the internet to make sure my rights are not being violated. You told me to contact the grantor, well I did that. Take a look at the letter I sent the grantor. 
I sent the letter attached disputing the account listed above and disputing the accuracy, but the grantor never responded to me. If they did not respond, then they can not continue to validate and report inaccurate information. Because of their violation of the law, this would constitute new and relevant information for you to start a new investigation. Now that you know that the grantor is not following the laws put in place to protect me and others, you must do your part and follow the law now. Please delete the account stated above. If you send me another letter like the one you sent before stating you wont re-investigate, I have no problem with filing complaints with the Attorney Generals Office and Consumer Financial Protection Bureau. I will also be seeking legal advice if you violate my rights.

I received your letter stating that you felt that the letter I sent was a suspicious request. HOW DID YOU COME TO THIS CONCLUSION? I only sent you a simple letter disputing the accuracy of the trade line in my credit file. I feel hurt that your company is handling my dispute in this manner. You also said that the letter was not from me. HOW DO YOU KNOW THIS? Can you provide proof that it was not from me? You also state that you have not taken any action on this request. WHY NOT? I went to the FTC website, and it stated that if I find an inaccurate item in my report, then I have the right to dispute it, so why didnt you take any action? Can you answer that? You also say that if I send another letter requesting a dispute on an incomplete item, I will not receive a response. Is that correct? 
For verification purposes and to prove that the letter was from me and not from somebody else, I have provided you with proof : Please review all proof of identity.

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