vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
I received an email from NetCredit regarding an application for a credit card that I did not apply for. When I called the number on the email, they asked for my name and last XXXX digits of my Social Security number, which, of course I did not give them, and they said that was the only way to look up my account. I do not have an account, and the email gave an account number that couldve been used but apparently according to them the only way to receive that was with my Social Security number. Whoever signed up for the account used a fake address as well as XXXX I called the number on the email, they asked for my name and last XXXX digits of my Social Security number, which, of course I did not give them, and they stated that was the only way to look up my account. I do not have an account, and the email gave a account number that couldve been used but apparently according to them the only way to receive that was with my Social Security number. Whoever signed up for the account used a fake address as well as a fake name so I wanted to report it since it is obviously a fraudulent company and/or number.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: NJ

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on 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 non-monetary relief
Consumer complaint received 2025-01-22 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: NJ

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on 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 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

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 proce 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 2025-01-22 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: CA

Complaint narrative:
Equifax 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 XXXX, 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 Equifax has neither corrected nor removed disputed items despite the evidence l provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifax inaction violates federal law and my rights as a consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XXXX XXXX  2025, I access annualcreditreport.com to access my free credit reports for XXXX, XXXX XXXX Equifax. I was successfully able to print my reports for XXXX and XXXX. But i am unable to Print and Save a copy of my credit report with EQUIFAX. When i select the Print and Save option, to send my EQUIFAX Report, i receive a error stating We've experienced an issue processing your request We're sorry, we are unable to process your request at this time. Please call our XXXX XXXX team at XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. 
This makes the XXXX year in a row i have received this exact error when attempting to print and save a immediate copy of my credit report with Equifax. When i attempt to try again online, Equifax tells me that i can not receive my report due to me already having access to it. But without being able to print and save a copy, i am not able to fully go over my report. I contacted Equifax on XXXX XXXX  2025 via telephone and spoke with EQUIFAX Representative named XXXX. I advised XXXX of my issue and requested a copy of my report to be send via email, or for me to have a option to print my report via online so i would not have to wait XXXX business days to receive it via mail, and he advised me that the issue is with XXXX, and not with Equifax. I advised him that i had this same exact issue last year with EQUIFAX, and that the error message advised me to contact EQUIFAX. He proceeded to tell me that there is nothing he can do besides send me a report via Mail which will take XXXX Business days. This delay of not being able to immediately access and print and save my credit report is a violation of the FCRA. I should not have to wait XXXX plus days to receive my report when i requested it immediately online.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX Subject : Request for Full Credit Sweep and Investigation of Inaccuracies Due to Data Breaches Dear Equifax Customer Care Team , I am writing to formally request a comprehensive review and full credit sweep of my credit report due to inaccuracies that I believe are the result of recent data breaches and/or unauthorized activities. My goal is to ensure that my credit report accurately reflects my financial history and does not include any erroneous or fraudulent information. 

Personal Information for Identification : Full Name : XXXX XXXX Date of Birth : XXXX Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX I have reason to believe that my personal information was compromised and used in a manner that has led to inaccuracies and/or fraudulent entries on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate and fair credit report, and I request that your agency conduct a proper investigation into all disputed items. 

Please remove all inaccurate, incomplete, or unverifiable information from my credit report immediately. Additionally, I would like to request the following : XXXX. A detailed explanation of the investigation process, including the methods used to verify the accuracy of the disputed items. 


XXXX. A copy of my updated credit report after the completion of your investigation. 


XXXX. Prompt resolution of this matter, including written confirmation of the removal of any inaccuracies. 



For your reference, I have attached copies of the following : A government-issued photo ID ( e.g., drivers license or passport ) A utility bill or other proof of address Please acknowledge receipt of this letter within 30 days and provide a response within the timeline established by the FCRA. Failure to address these issues appropriately may compel me to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or seek legal recourse. 

Thank you for your prompt attention to this matter. Should you need any additional information, feel free to contact me at XXXX or XXXX. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: DriveTime
State: IL

Complaint narrative:
Accounts are showing as charge off and paid in settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: OH

Complaint narrative:
Equifax has been incorrectly reporting information in my credit report Ive have sent disputes for things to be removed and they refused

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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:
[ XXXX A XXXX ] [ XXXX XXXX XXXX XXXX, unit XXXX ] XXXX, Ga, XXXX ] [ XXXX ] [ XXXX ] [ XXXX ] Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Complaint Under FCRA XXXX XXXX Regarding XXXX XXXX XXXX Dear Equifax, I am writing to formally request the method of verification ( MOV ) for the XXXX XXXX XXXX appearing on my credit report, as is my right under Section 609 of the Fair Credit Reporting Act ( FCRA ). I have made repeated attempts to have this matter addressed appropriately, and Equifax has failed to fulfill its obligations under federal law. 

Despite my requests for the MOV, Equifax has returned numerous disputesboth authorized and unauthorizedpertaining to this tradeline, exceeding XXXX instances. This excessive and improper handling of disputes is in direct violation of my rights under the FCRA. Furthermore, I demand that you either provide the specific method of verification used to validate the accuracy of the XXXX XXXX tradeline or remove it entirely from my credit file, as required by law. 

As a result of XXXX repeated failure to comply with federal statutes, I am now escalating this matter to demand resolution through arbitration, as provided under applicable laws. I am also seeking compensation for the damages caused by Equifaxs mishandling of my disputes and the undue burden this has placed on me. I am demanding a resolution in the amount of {$50000.00} to address the financial and emotional distress caused by your companys continued non-compliance with the FCRA and the mishandling of my dispute rights. 

Requested Actions : XXXX. Provide a full and complete written disclosure of the method of verification for the XXXX XXXX tradeline, as mandated under FCRA Section 609. 
XXXX. If the tradeline can not be properly verified, remove it immediately from my credit report. 
XXXX. Initiate arbitration to resolve this matter, and provide compensation in the amount of {$50000.00} for Equifaxs improper handling of disputes and failure to meet its legal obligations. 

Please respond to this letter within 15 days of receipt, as required by law. This is not a Dispute! I demand the immediate submission of all documentation and correspondence for all past disputes with this tradeline to support its subsequent VERIFICATIONS as mentioned above ; as is my right per Federal law. Failure to resolve this matter appropriately will leave me no choice but to pursue legal action and contact the Consumer Financial Protection Bureau ( CFPB ) directly, and other relevant regulatory agencies. 

I look forward to your prompt response and a resolution to this matter. 

Sincerely, [ XXXX XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Civil Action for Possession XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. {$2600.00} XXXX XXXX XXXX XX/XX/XXXX, {$3300.00} XXXX XXXX XXXX XXXX XX/XX/XXXX, {$300.00} XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX, {$170.00} {$1200.00} XXXX XXXX -- XX/XX/XXXX, {$4000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX, {$2700.00} XXXX  XXXX XXXX XX/XX/XXXX, {$2400.00} XXXX XXXX XXXX XX/XX/XXXX, {$2300.00} XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

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 2025-01-22 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: GA

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

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 2025-01-22 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: GA

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: GA

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF MY CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: TN

Complaint narrative:
I paid for a storage unit online with XXXX XXXX XXXX. The website at XXXX XXXX XXXX under " is there a contract for my lease, '' states " Our leases are month to month with a 30-day vacate notice. '' On XX/XX/XXXX I provided 30 days notice, via email, and vacated within 30 days. 
On XX/XX/XXXX my account balance was paid in full, including rent and a " merchandise '' fee for renting a padlock for the unit. 

On XX/XX/XXXX I was given a code for the padlock. 

On XX/XX/XXXX a representative of XXXX acknowledged my 30 Days Notice. 

On XX/XX/XXXX I received an email that my ( personal ) padlock had to be cut and replaced because of an unpaid balance and I was being charged for a new lock. My account was paid in full, I did not have a personal lock on the unit, and XXXX had the lock code to the rented lock they claim they cut. This was a fraudulent fee. 

Within 30 days of giving notice I completely emptied my unit, broom swept it, and returned the padlock to the padlock dropbox on the front of the building. 

In late XXXX I received an " overdue '' notice from XXXX. Multiple emails were exchanged where they claimed first that I did not give notice, next that I did not give notice in a particular way that they wanted ( and that was never communicated or agreed to ), and then that per a lease agreement I had to pay for XXXX. 

I asked for the lease agreement and they did not provide it. 
I later asked for all signed agreements and they would not provide them. 

I emailed XXXX several times from late XXXX to early XXXX. In early XXXX they told me that since I still had not provided notice in the way they wanted, on a form they had not given me, that I then owed for XXXX, XXXX, and XXXX. I stopped engaging at that point. 
They never provided any form of lease agreement, signed or otherwise, and no agreement can be found on their website, in any correspondence, or through any internet search. Yet, they continue to claim I agreed to unknown leasing terms. 

I heard nothing else about it after XXXX. On XX/XX/XXXX while doing a semi-regular credit check I notice that I had missed payments to a collections agency for XXXX, XXXX, and XXXX. 
Upon calling the agency they told me they were collecting for XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: SC

Complaint narrative:
I hope this letter finds you well. I am writing to formally request the removal of several unknown items from my credit report. After reviewing my credit report, I noticed multiple entries that I do not recognize and did not authorize. These entries are causing me significant concern and have impacted my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In XXXX of 2022, I discovered that my personal information, including but not limited to [ mention specific details, such as your Social Security number and other personal information, had been compromised and used without my consent. I became aware of this after receiving a piece of mail from XXXX XXXX  stating I owed, when I never had an account with XXXX XXXX 

I have taken immediate steps to report this matter to the relevant authorities, including filing reports with such as the police, the Federal Trade Commission ( FTC ), disputes with credit bureaus and have placed a fraud alert on my accounts. I am committed to cooperating fully with all investigations and will provide any necessary documentation to assist in resolving this matter. 

Please consider this statement as part of my official report on the identity theft incident. I understand the importance of securing my personal information, and I am taking all necessary actions to mitigate any further damage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: MN

Complaint narrative:
Several hard inquiries on my account that were not approved by me XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have had several incorrect addresses and phone numbers removed from my report. These were not approved by me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: IN

Complaint narrative:
Experian and XXXX are reporting inaccurate information on my credit report. XXXX is inaccurate, I never had an account with 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