vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this report with the CFPB to formally dispute several unauthorized accounts listed on my credit report. I am a victim of identity theft and request that these accounts be blocked from my credit file under Section 605B of the Fair Credit Reporting Act ( FCRA ) .According to this law, you are required to block fraudulent information on a consumer 's credit report within four ( 4 ) business days after receiving appropriate documentation. My personal information was exposed in the XXXX DATA BREACH. PLEASE REFER TO THE XXXX DATA BREACH SETTLEMENT REFERENCE NUMBER TO VERIFY MY VICTIMIZATION specifically 15 USC 16821c-2 ( a ). I am entitled to request that my accounts be blocked and deleted due to the unauthorized access to m personal information. The breach has compromised my data and I am concerned about the identity theft and misuse of my information. Please find my details below for your reference. Full Name : XXXX XXXX Social Security Number : SS # XXXX Date of Birth : XX/XX/year> Current Address : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. I kindly request that you take immediate action to block and delete all accounts that have been compromised as a result of this data breach. Additional, please provide me with written confirmation once this has been completed. If you require any further information or documentation to process my request, please do not hesitate to contact me at the phone number or email address listed above. Thank you for your prompt attention to this matter. I look forward to your swift response.

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 2025-03-05 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: MS

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
There are still fraudulent inquiries in my report.Transunion is playing with my report that affects my life! remove these as soon as possible. 

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/year>

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 2025-03-05 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:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries XXXX XXXX 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 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 Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

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

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
SUNRISE CREDIT SERVICES INC have asked you to validate the alleged debt you claim I owe, and all you have provided me is a letter dated XX/XX/year> with a reference number SCS : XXXX for an alleged account # XXXX for a balance of {$300000.00} which you can not prove is mine. 
You SUNRISE CREDIT SERVICES INC have violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) b Validation of debts.

You failed to validate this alleged debt. 
This Cease and desist include but not limited to any collection attempts and or reporting of this account to any CONSUMER REPORTING AGENCY.

15 USC 1692c ( c ) Ceasing communication FDCPA 811 [ 15 USC 1692i ] Legal actions by debt collectors FDCPA 807 [ 15 USC 1692 ( e ) ( 3 ) ] False or misleading representations FDCPA 813 [ 15 USC 1692k ] Civil liability

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
i opened an account on XX/XX/XXXX and the account was closed on XX/XX/XXXX due to Based on information identified through internal and public data sources during a recent review of this account. which makes no sense as to why theyd even let me open an account in the XXXX  place if thats the case and so now they are holding the money i deposited that is still pending as this account is closed which means it wont earn interest nor can i access it.

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 2025-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I first filed a fraud report with Barclays XXXX XXXX XXXX in XX/XX/XXXX when someone purchased an XXXX stubs subscription on my card for {$90.00}. They told me the charge would be removed and that I was good to go. However, on XX/XX/XXXX I received an email saying my payments were late and I was getting charged fees on top of the {$90.00} payment that I never made. I have since been on the phone with the XXXX XXXX XXXX department 7 times for no less than XXXX minutes each call with no resolution. They continue to lie to me about the status and what they can do for me. When I asked if I made a payment, would it be refunded to my debit card upon completion of the second round of fraud investigations, XXXX XXXX employee # XXXX ) told me that they could do it instead of credit in the account, I quickly found out that that was a lie. I am at XXXX XXXX where the {$90.00} fraudulent charge is now going to cost me {$120.00} and am being told it will be at least another XXXX months and countless more late charges and hits to my credit for them to reach a conclusion. I am now just paying for it as my time is worth more than calling them again but they are stealing from me and I needed to report it.

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 2025-03-05 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: Spring Oaks Capital, LLC
State: PA

Complaint narrative:
full validation was not provided and should be removed from my XXXX credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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: NV

Complaint narrative:
Due to a data breach, my personal information was compromised, resulting in unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me but remain on my report, adversely affecting my credit profile. Despite my efforts to resolve these inaccuracies, they persist, raising significant concerns about the security of my personal information and the accuracy of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AL

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 2025-03-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/year> Transworld Systems Inc. 
XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  PA XXXX Subject : Debt Validation Request To Whom It May Concern, I am requesting validation of the debt referenced by account number XXXX. Please provide : Proof that I owe this debt, including the original creditor and balance. 
Copies of any signed agreements or statements. 
Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I am expecting retirement payments from a XXXX  pension group called XXXX XXXX 
The Group asked me to provide a certified copy of my local Bank Of America account with details for incoming International wire ( see attached copies. 
The 1st agent here in my XXXX XXXX XXXX XXXX XXXX  gave me the wrong information which resulted in my incoming wire being rejected by the retirement group. 
I then returned to the local branch and a new agent told me, what I was give by his previous colleague was wrong and that I needed to provide a Bank Of America Address in XXXXXXXX XXXX with a a routing number and a XXXX XXXX XXXX. 
The new wire from XXXX was initiated on XX/XX/XXXX of an amount XXXX. 
Now I have been on hold for XXXX hour and was asked by a BoA agent to call BoA Wire Investigation department at XXXX and on hold again for 30+ minutes with no one to help. 
My local BoA Branch : XXXX XXXX XXXX, XXXX XXXX  XXXX Information I was told by this branch to provide to my XXXX XXXX XXXX was : 1 ) My Name, local branch address and my account number and the XXXX XXXX XXXX -- certified by the 1st local BoA agent. This resulted in a rejection by the sender 2 ) Then 3 weeks later, another local BoA agent told me and provided me with a certified copy with new information to provide to my XXXX XXXX XXXX : My Name, Address and Bank account BUT use Bank Of America, NA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX and a routing code XXXX I now called BoA XXXX number and after a long discussion teh agent told me I should have used another address in XXXX XXXX because the sender is using Euros!!!!!!! 
I am stressed out as I need the money since I retired last XX/XX/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 2025-03-05 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: MS

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: MS

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-03-05 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-05 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 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 2025-03-05 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:
TransUnion has once again failed in its duty to ensure accurate reporting, and I am beyond frustrated with its blatant negligence. They are falsely reporting late payments on my XXXX  XXXX XXXX account ( Account # XXXX ) even though my payment status clearly states Paid as Agreed. This is a direct violation of 15 USC 1681e ( b ), which legally requires TransUnion to maintain maximum possible accuracy in consumer reports. Despite this obligation, they have failed to correct their mistake while both XXXX and XXXX are correctly reporting this account. Why is TransUnion the only one making this error? This raises serious concerns about their verification process and whether they are properly reviewing data before adding it to consumer report. This account does not have any late paymentsevery payment has been made on time. Yet, TransUnion is falsely listing late payments for months that do not match records from the other credit bureaus. This misinformation is actively damaging my credit profile and needs to be corrected immediately. Under 15 USC 1681i, I am formally disputing these errors and demanding that TransUnion remove the inaccurate late payments to match my correct payment status and update my credit file. I expect written confirmation once this correction is made. If TransUnion does not resolve this issue, they will be in direct violation of federal law and held accountable under 15 USC 1681n for willful noncompliance. I will not allow this to continuemy credit, financial reputation, and future are at stake. TransUnion must correct this immediately, or I will take further action to enforce my rights under the law. Fix this now.

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 2025-03-05 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: FL

Complaint narrative:
XXXX XXXX - Settlement plan for XXXX month payment of {$39.00} and {$150.00} would be forgiven on XX/XX/XXXX. Was told account would be reported as paid in full and all derogatory remarks removed. 

XXXX XXXX XXXX - Settlement and Paid in full - {$340.00} ... Was told account would be reported as paid in full and all derogatory remarks removed and collection account would be deleted XXXX XXXX XXXX XXXX - Account Paid in full- {$610.00} .... Was told account would be reported and updated as paid in full and all derogatory remarks removed. 

XXXX XXXX XXXX - Called and spoke to a Representative and was asked to upload proof that I had insurance coverage prior to XX/XX/XXXX. And that once they received proof they would update the account and remove the collection account because I do not owe any money to the creditor. See Screenshot of conversation and correspondence email XXXX XXXXXXXX XXXX  - Account XXXX Paid in full {$850.00} and Account XXXX - Paid in full {$600.00}. Was told account would be reported and updated to reflect XXXX balance on both accounts and all derogatory remarks removed XXXX XXXX XXXX  - Account XXXX - Paid in full {$430.00} and Account XXXX Paid in full {$540.00} ... Was told accounts would be reported as paid in full with XXXX balance and all derogatory remarks removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX - Settlement plan for XXXX month payment of {$39.00} and {$150.00} would be forgiven on XX/XX/XXXX. Was told account would be reported as paid in full and all derogatory remarks removed. 

XXXX XXXX XXXX - Settlement and Paid in full - {$340.00} ... Was told account would be reported as paid in full and all derogatory remarks removed and collection account would be deleted XXXX XXXX XXXX XXXX - Account Paid in full- {$610.00} .... Was told account would be reported and updated as paid in full and all derogatory remarks removed. 

XXXX XXXX XXXX - Called and spoke to a Representative and was asked to upload proof that I had insurance coverage prior to XX/XX/XXXX. And that once they received proof they would update the account and remove the collection account because I do not owe any money to the creditor. See Screenshot of conversation and correspondence email XXXX XXXXXXXX XXXX  - Account XXXX Paid in full {$850.00} and Account XXXX - Paid in full {$600.00}. Was told account would be reported and updated to reflect XXXX balance on both accounts and all derogatory remarks removed XXXX XXXX XXXX  - Account XXXX - Paid in full {$430.00} and Account XXXX Paid in full {$540.00} ... Was told accounts would be reported as paid in full with XXXX balance and all derogatory remarks removed

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