vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I withdrew {$100.00} on XX/XX/2025 at XXXX and the total of the transaction amount was {$100.00} for the instant transaction fee. I withdrew the money from my Cash app account to my XXXX account using my XXXX debit card that was linked to my cash app and I could see in the XXXX account the money was placed on hold so I needed the money instantly which is the reason why I paid for the instant transfer fee so I then contacted the XXXX assistant through the chat in the XXXX app they gave me the option of canceling the transfer so I did and they said the money will be returned back to where it came from which is Cash app I havent received anything back onto my cash app every time I contact them regarding this issue I provide them the information XXXX gives me the messages I even tried to have a XXXX customer service agent speak to a Cash app customer service agent one two different phones and they said due to policy they can not do that and hung up on me. They say if your bank isnt able to locate the funds submit a new claim and we will begin our INVESTIGATION once you provide the information requested below and any documents/files that will help with your claim. Ive must have submitted the same documents and provided the same information more than 20 times and as soon as I submitted it and not even a minute after they reply saying they believe no error has occurred and my claim has been denied and closed. NO investigation takes 1 minute they NEVER even investigated to try and locate my money!! Its just easier for them to reply with the same thing each time! I was late on paying my phone bill due to not being able to access my money! Ive been patient long enough Im upset now theyve been no help at all!! Its been 23 days and I still dont know where my money is! And XXXX hasnt been helpful either they say they created a ticket with the correct team to locate the funds and I was given a time frame on how long it should take for the ticket to be solved 3-10 business days its been longer than 10 days I never received any emails from XXXX regarding this ticket I havent been given an update on the ticket and every time I call they say the same thing contact cash app we never received the money okay if you never received the money why was it instantly withdrawn from my cash app account and placed on hold in the the XXXX app? What is being returned if they never received any money? What is being placed on hold if they never received any money?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: NY

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens 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 explanation
Consumer complaint received 2025-04-11 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:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. The information in question is Incorrect Name : - XXXX G XXXX -Incorrect Previous Address : - XXXX XXXX XXXX, XXXX XXXX , TX XXXX -Incorrect Previous Address : - XXXX XXXX XXXX , XXXX, TX XXXX -Employer - XXXX XXXX XXXX. This information is incorrect because it does not belong to me or it is outdated. I have attached copies of document and request letter to support my claim.

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 2025-04-11 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:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. The information in question is Incorrect Name : - XXXX G XXXX -Incorrect Previous Address : - XXXX XXXX XXXX, XXXX XXXX , TX XXXX -Incorrect Previous Address : - XXXX XXXX XXXX , XXXX, TX XXXX -Employer - XXXX XXXX XXXX. This information is incorrect because it does not belong to me or it is outdated. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are picture ID, a bill and a letter helping me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items of which only 2 are required per the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2025-04-11 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: VA

Complaint narrative:
I am filing this complaint against XXXX due to severe and unjustified negative credit reporting that has significantly impacted my financial standing. My credit report was recently updated to reflect over XXXX late payment entries from XXXX, which has caused my XXXX XXXX to drop by over XXXX points. This action was taken without any prior notice, warning, or correspondenceI did not receive any emails, letters, or alerts informing me of this drastic change before it was reported to the credit bureaus. 

Additionally, I have become aware of an ongoing data breach involving student loan accounts, which raises serious concerns regarding unauthorized access to my personal and financial information raising concerns over a XXXX violation. Given this security lapse, I have reason to believe that my account records XXXX have been compromised or altered without my consent. 

I am in the process of purchasing a home and this has caused my loan to be halted until this is remedied. This has caused extreme financial XXXX  and this error in reporting needs to be remedied immediately. I did not authorize any changes to my account status, and I no longer feel comfortable having my student loans serviced and reported to the credit bureaus under these conditions. 

Violations and XXXX XXXX XXXX XXXX. Failure to Provide Notice of Negative Credit Reporting - Under the Fair Credit Reporting Act ( FCRA ), loan servicers are required to provide accurate and fair reporting. I was not notified in advance that these accounts would be marked late, which denied me the opportunity to address any potential issues before they were reported. 

XXXX. Possible Unauthorized Reporting and Account Compromise Due to XXXX XXXX XXXX The reported XXXX XXXX involving XXXX raises serious questions about the integrity of my loan accounts. If my data was exposed or manipulated, XXXX may have incorrectly or fraudulently reported late payments that I did not actually incur. 

XXXX. Failure to Properly Investigate and Verify Account Status - Given the security risks and errors in reporting, I request full verification and documentation proving the legitimacy of the late payments, including a detailed account history showing how and when they were marked late.

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 2025-04-11 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: VA

Complaint narrative:
I am filing this complaint against XXXX due to severe and unjustified negative credit reporting that has significantly impacted my financial standing. My credit report was recently updated to reflect over XXXX late payment entries from XXXX, which has caused my XXXX XXXX to drop by over XXXX points. This action was taken without any prior notice, warning, or correspondenceI did not receive any emails, letters, or alerts informing me of this drastic change before it was reported to the credit bureaus. 

Additionally, I have become aware of an ongoing XXXX XXXX involving student loan accounts, which raises serious concerns regarding unauthorized access to my personal and financial information raising concerns over a XXXX violation. Given this security lapse, I have reason to believe that my account records may have been compromised or altered without my consent. 

I am in the process of purchasing a home and this has caused my loan to be halted until this is remedied. This has caused extreme XXXX XXXX and this error in reporting needs to be remedied immediately. I did not authorize any changes to my account status, and I no longer feel comfortable having my student loans serviced and reported to the credit bureaus under these conditions. 

Violations and XXXX XXXX XXXX XXXX. Failure to Provide Notice of Negative Credit Reporting - Under the Fair Credit Reporting Act ( FCRA ), loan servicers are required to provide accurate and fair reporting. I was not notified in advance that these accounts would be marked late, which denied me the opportunity to address any potential issues before they were reported. 

XXXX. Possible Unauthorized Reporting and Account Compromise Due to Data Breach - The reported XXXX XXXX  involving XXXX raises serious questions about the integrity of my loan accounts. If my data was exposed or manipulated, XXXX may have incorrectly or fraudulently reported late payments that I did not actually incur. 

XXXX. Failure to Properly Investigate and Verify Account Status - Given the security risks and errors in reporting, I request full verification and documentation proving the legitimacy of the late payments, including a detailed account history showing how and when they were marked late.

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 2025-04-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Credit Karma, LLC
State: CT

Complaint narrative:
My account was frozen without my consent or authorization, preventing me from accessing my funds. I immediately contacted customer service to report the issue and seek resolution. Shockingly, only a few hours after that call, I received a notification stating that my savings account was transferred into my spending account, and shortly after that, all of my accounts were closednone of which I authorized. 

At no point did I provide consent for : The freezing of my account, The transfer of funds between accounts, The closure of any of my Credit Karma accounts. 

This is a serious breach of consumer trust and financial security. I demand a full investigation into this matter, the immediate return of my funds, and a written explanation as to why these actions were taken without my approval. Additionally, I am seeking information on how to file for a settlement due to the financial harm and emotional distress this has caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: AL

Complaint narrative:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S. Code 1681c-2. you are legally obligated to block fraudulent information from my report within 4 days.

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 2025-04-11 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: AL

Complaint narrative:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S. Code 1681c-2. you are legally obligated to block fraudulent information from my report within 4 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: CA

Complaint narrative:
I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent several letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ).

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under identitytheft.gov clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through identitytheft.gov, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid.

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA.

Legal Precedent : 1.Parker v. Time Warner Entertainment Co. L.P. , 331 F.3d 13 ( 2d Cir. 2003 ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process.

2.Sarver v. Experian Information Solutions , Inc. , 390 F.3d 969 ( 7th Cir. 2004 ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report.

3.Henson v. Santander Consumer USA , Inc. , 2017 U.S. Dist . LEXIS 191143 ( E.D. Va. 2017 ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 
XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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:
Please promptly block and delete the unauthorized accounts listed on my credit report. I did not authorize or recognize these accounts. As outlined in USC 1681g, I am requesting their removal within 15 days. Ive attached the relevant documentation for your review. Also, each credit bureau appears to have conflicting information regarding these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In early XXXX, I submitted multiple disputes to Experian regarding inaccurate and unverifiable accounts on my credit report. Despite providing supporting documentation, Experian has failed to provide proper updates or results of reinvestigations. Several accounts are still being reported inaccurately, and Experian has not fulfilled its obligations under the Fair Credit Reporting Act ( FCRA ), including providing the method of verification or correcting erroneous tradelines. 

My experience is consistent with the claims made in the XXXX XX/XX/year> lawsuit against Experian ( XXXX XXXX. XXXX ). Like the consumers in that case : Experian failed to conduct a reasonable reinvestigation as required by FCRA 1681i.

They did not forward all relevant documents I provided to data furnishers.

They used inaccurate or misleading dispute codes that did not reflect the nature of my disputes.

I received vague or generic resolution responses with no explanation of what was verified or corrected. 

In some cases, inaccurate information that had previously been removed was reinserted without proper notice, violating FCRA 1681i ( a ) ( 5 ) ( B ). 

The disputed accounts include XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, and XXXX XXXX each containing incorrect payment history, balances, or statuses. For example, late payments from XX/XX/year> were reported without any verifiable billing or due date records. These accounts remain on my report without validation.

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 2025-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Opportunity Financial, LLC
State: VA

Complaint narrative:
Subject : Formal Complaint Against FCRA Violation ( 15 U.S.C. 1681s-2 ( b ) ) To Whom It May Concern, I am filing a formal complaint against FEB/OPPLNS for failing to comply with its legal obligations under 15 U.S.C. 1681s-2 ( b ) of the Fair Credit Reporting Act ( FCRA ) regarding an inaccurately reported charge-off account. Details of the Violation : Account Name : FEB/OPPLNS Balance Reported : {$1200.00} Reported : XX/XX/XXXX I disputed this account with both the credit bureaus and the furnisher on XX/XX/XXXX, providing supporting evidence that the information is inaccurate. However : 1. The furnisher failed to conduct a proper investigation as required by FCRA 15 U.S.C. 1681s-2 ( b ). 2. No documentation has been provided to verify the accounts accuracy, yet it continues to be reported negatively on my credit file. 3. The information remains inaccurate, violating my consumer rights under federal law. Supporting Evidence ( Attached ) : Dispute letters sent to the creditor and bureaus Credit reports showing continued inaccurate reporting Any responses ( or lack thereof ) from the furnisher.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
A collection account for {$790.00} from Credit Collection Services ( CCS ) was reported to my credit report, allegedly on behalf of XXXX XXXX, without any prior contact or notice from the collection agency. I was never notified of the existence of this debt before it appeared on my credit profile, nor was I given the opportunity to validate or dispute the debt. 

This debt was never verified, and I was never contacted or notified by the collection agency prior to it being reported. I did not receive any written notice within 5 days of initial communication in fact, there was no communication whatsoever before it appeared on my credit profile. 

Under 15 USC 1692g ( a ), a debt collector is legally required to send a written validation notice within five ( 5 ) days of the first contact, including the amount of the debt, the name of the original creditor, and a statement of my right to dispute the debt. This never happened. 

Furthermore, this debt is no longer with the original creditor, which further obligates the current collector to validate their authority to collect and to provide full documentation. 

Because the debt was never validated and proper notice was never given, this collection account is unsubstantiated and unlawfully reported, and must be immediately removed from my credit file in compliance with federal law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief