vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-31 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:
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 I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 ) 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 2025-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
I have never done any business with you. I am unaware of any contractual agreement or obligations to pay you. This is my final warning and NOTICE to you. I refuse to pay this alleged debt. Please remove my nonpublic personal information from your database or system of records. I am demanding that you comply under the FDCPA and FCRA and remove this tradeline from my consumer report from any and all credit reporting agencies such as XXXX, XXXX and XXXX immediately upon receipt of this NOTICE. I did not consent to any storing, sharing, using or profiting from my nonpublic personal information. Please note any violation of my consumer rights under the FDCPA and/or FCRA you shall be liable pursuant to 15 USC 1692k and any other applicable laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX New York, XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX Subject : Formal Dispute and Demand for Removal of Inaccurate Accounts Under 15 U.S. Code 1681o Dear Consumer Financial Protection Bureau, I am writing to formally dispute and demand the immediate removal of inaccurate and/or improperly reported accounts from my credit file. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681o, you may be held liable for negligent noncompliance with federal credit reporting laws. 

The following accounts have been wrongfully reported and must be deleted immediately : Account ending in XXXX Account ending in XXXX Account ending in XXXX Account ending in XXXX Your failure to ensure accurate reporting has caused me significant harm, including but not limited to : Damage to my credit score Denial of credit opportunities Increased interest rates Emotional and financial distress This constitutes a clear violation of the FCRA, and as a result, I am requesting immediate deletion of the above accounts to fairly resolve this matter. If this issue is not resolved within 15 days, I will have no choice but to escalate my complaint through legal means and seek damages as permitted under 15 U.S. Code 1681o.

Please provide a written confirmation once these accounts have been deleted from my records. I expect a response no later than [ 15 days from the date of this letter ]. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: TX

Complaint narrative:
I filed a dispute with Experian about XXXX XXXX XXXX Account number XXXX due to the account being inaccurate. Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company Experian. They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation. Experian has not attempted to remove, nor correct any information. Im requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting a house. Experian violates my rights as a consumer, as well as federal laws.

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 2025-01-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Block, Inc.
State: CA

Complaint narrative:
In early XX/XX/year> I learned via receiving a XXXX that someone had opened a CashApp account in my name. 

I contacted CashApp and their parent company Square Inc. and reported the fraud and asked them to close the account. I was told they will only cooperate with law enforcement. 

I contacted XXXX, CA Police Department and reported the fraud. But they indicated they are unlikely to get involved. 

I recontacted CashApp and told them of this, they still refused to confirm the account is closed or provide any information or updates. I have tried several times but have yet to receive any update from them other than being told they can not help me. 

Cash app case number : XXXX XXXX XXXX XXXX XXXX case number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: GA

Complaint narrative:
I am filing this report to address errors on my credit report. Equifax has confirmed a system issue that caused my personal information to be leaked and used without authorization. Due to this, I have experienced denials, and I request that the matter be resolved within XXXX business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have contacted this EXPERIAN several times to remove the names/addresses from my credit report because the information is inaccurate. I have uploaded documents to the portal, many calls, and even mailed the documents to them with no difference. The items are still there. I then looked at my birthdate on my report which is inaccurate.

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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Recently I looked at my credit file and found info that can't be verified and info that is not accurate these items are not being reported 100 % correct. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are a result of Identity theft and XXXX! Please take action and remove them from my credit report asap! 

UNAUTHORIZED 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

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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Recently I looked at my credit file and found info that can't be verified and info that is not accurate these items are not being reported 100 % correct. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are a result of Identity theft and XXXX! Please take action and remove them from my credit report asap! 

UNAUTHORIZED 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

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 2025-01-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
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:
The inquiry was not authorized by me, and I did not communicate with this lender on the specified date

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: V and H Portfolio
State: TX

Complaint narrative:
Dear Vance & Huffman LLC, This letter serves as a formal demand that you cease and desist from all further communication with me regarding the referenced account. I am requesting this under the Fair Debt Collection Practices Act ( FDCPA ),

15 U.S.C. 1692c ( c ). According to your records, the account details are as follows : 1. Account Name : Vance & Huffman LLC Account Number : XXXX Original Loan Date : XX/XX/XXXX Balance Referenced : {$XXXX} Status : Collection Account, {$XXXX} past due as of XX/XX/XXXX XXXX. Account Name : Vance & Huffman LLC Account Number : XXXX Original Loan Date : XX/XX/XXXX Balance Referenced : {$XXXX} Status : Collection Account, {$XXXX} past due as of XX/XX/XXXX I dispute the validity of both debts and the accuracy of your reporting. Additionally, I request that you verify the following for each account : 1. The original creditor and detailed transaction history.

2. A breakdown of the amounts you claim are owed.

3. Documentation showing your authority to collect on these accounts.

If you are unable to provide this documentation, you must immediately correct any inaccuracies on my credit report, cease further attempts to collect the debts, and update the account statuses accordingly.

Failure to comply with this request will leave me no choice but to pursue all legal remedies available to me, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office.

Please consider this letter your formal notice to stop all communication with me regarding these matters, except for providing written documentation of the requested verification or to confirm closure of the accounts.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am filing a formal complaint regarding the violation of my privacy rights under the Gramm-Leach-Bliley Act ( GLBA ) Experian. Specifically, my non-public personal information ( NPI ) was improperly disclosed to non-affiliated third parties such as credit bureaus and third-party debt collectors without my knowledge, consent, or an opportunity to opt out. This disclosure occurred before I was fully informed, as required by the GLBA, and resulted in damage to my credit report and personal financial standing.

Specific Violations : 1. Violation of 15 U.S.C. 6801 - Privacy of Consumer Financial Information My non-public personal information was disclosed to non-affiliated third parties, such as credit bureaus and debt collectors, without my explicit consent or knowledge. This constitutes a failure to safeguard my privacy and sensitive financial data, violating the GLBAs privacy protections.

2. Violation of 15 U.S.C. 6802 - Restrictions on Disclosures of Nonpublic Personal Information My sensitive data was shared with non-affiliated third parties ( credit bureaus and third-party debt collectors ) without providing me with proper notice or an opportunity to opt out of such disclosure, as mandated by the GLBA. I was not afforded the protections required under this section.

3. Violation of 15 U.S.C. 6803 - Opt-out Notice I was not provided with the required opt-out notice to prevent the disclosure of my non-public personal information to third parties, as required by law. This failure deprived me of my rights under the GLBA to control the sharing of my financial information.

4. Violation of 15 U.S.C. 6804 - Regulations and Enforcement The company has failed to comply with regulatory safeguards regarding my personal financial information. The unauthorized disclosures have caused a direct and ongoing harm to my financial standing and 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 explanation
Consumer complaint received 2025-02-01 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:
Cashapp allowed someone to fraudulently hack my account and take XXXX from my linked card. When I received the email and text from my bank that it was taken out, which was almost immediately, I tried to contact Cashapp. They had no one to speak with. No chat because the transaction was still pending. And instead of reversing the transaction I had to wait until it was no longer pending to make a complaint and try to get my money back. I tried several times to fight the transaction. It was fraudulent. I removed my linked card. I went to my bank and got a new card so no more transactions could occur, and I let them know as well. Cashapp continued to deny my claim and said they found the transaction to be done by me. When I asked for proof they sent transaction history from my cashapp that I could see when I open the app. I explained to them that it didnt mean I did the transaction look at my history. I send money to my husband and maybe my children. No one else! They never gave me the info or showed proof of the paperwork that shows I made the transaction, even though I asked several times! I kept trying to make another complaint and open it up again and they would send me the same stuff. When I tried to speak to someone or chat they would disappear and a bot chat would come up. Cash app owes me XXXX and Ive been trying to get my money refunded for months. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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:
my student loan that is adding XXXX balance and has been out of XXXX balance since 2023. And has been reporting. I do not owe any student loan debt. 

Out of nowhere on XX/XX/XXXX, I am now showing a balance of {$110000.00} which is not accurate. 

This is fraudulent reporting I have in the past shown proof this debt has been paid off and will attach this info here again.

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 2025-01-31 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: CA

Complaint narrative:
On and around XXXX of XXXX, I wrote to all of these private agencies ( i.e. Equifax, XXXX, and XXXX XXXX ). And they all continued to negatively report incorrect info and improperly use me personal information without my permission. The also, refused to properly ( re ) investigate these matters. While only sending me a standard computer generated " verified '' letter without any employees name or signature to show, WHO did the investigation. Which is a total violation of the FCRA under section 15 usc 1681, et.seq., and my consumer rights. I have provided proof the the collection company is fictitious or commiting fraud see attached/documents from CA. DOJ.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
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 need your help to investigate accounts from these companies that have reported late payments incorrectly. Upon reviewing my credit report, I found some accounts marked with late payments, which should not be the case. No late payment remarks should appear on these accounts.

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 2025-02-01 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: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
ive been dealing with XXXX XXXX at Bridgecrest and she has shown no proof of documents of the sell of the XXXX cars they said I bought. If they see the police report it says clearly I wasn't even in the country when the cars were purchased. I have reviewed this with the XXXX XXXX XXXX and My attorneys as of today and if its not fixed by XX/XX/year> I will have my attorney XXXX XXXX filed suit against XXXX and Bridgecrest for financial Ruins and allowing someone to use my credit Which is called Financial theft of a dealership and bank. Bridgecrest and XXXX is in an enough hot water with the FTC and The CFPB for fraud with Ally and Several other buying lenders. XXXX was shut down in XXXX XXXX back when these XXXX cars were bought by DMV enforcement for fraud and XXXX Identity theft complaints and mine was XXXX of them per my XXXX who has looked into these accounts. Per the prosector in XXXX where I live she stated bridge crest and carvana are on the courts bad list and they wouldn't stand a chance of winning, she did say they have never won a case in NC ever. So XX/XX/year> if it's not off my credit file I will be filing legal claims and class actions against Bridgecrest and XXXX. A court order has gone out for the original docs of both these deals to XXXX 's address and a court order for her to show up to court in XXXX XXXX XXXX in North Carolina. XXXX received her personal information on a court order to Bridgecrest legal team and they turned over her legal name and address to get her served by law enforcement to appear in court in NC.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 INQUIRIES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX TransUnion 15 U.S.C, 1681section 602 A . States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other 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 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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