vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally lodge a complaint regarding the recent exposure of my personal information in a data breach that has compromised my credit history. It has come to my attention that my sensitive data, including personal and financial information, was affected by this breach. I am particularly concerned that this incident could have a detrimental impact on my credit report and overall financial health. 
In accordance with my rights under the Credit Reporting Privacy Code and the Fair Credit Reporting Act ( FCRA ), I request the immediate removal or correction of the following items from my credit report, as they have been impacted by this breach and do not reflect accurate or up-to-date information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: FL

Complaint narrative:
I used my Cashapp card to pay for an XXXX XXXX  in XXXX Florida. However the Hotel was full of Roaches, Bed bugs ... .... I filed a dispute on the Charges with Cashapp because the Hotel did not Fulfill their Obligations in providing a livable Conditioned Environment. 

However as you can see from the photos I sent Cashapp the room was infested with Roaches. I am a XXXX Veteran as you can see from my Monthly XXXX Direct Deposit that I get from the Treasury Via the Veterans Administration. 
I have also provided XXXX XXXX from other Occupants of that Hotel. 
Given the Gravity of the Living Conditions that I was intentionally placed under, I Kindly ask that I receive a Provisional credit so that I can find a Livable Accommodation. As stated before I am 100 % XXXX and I need the funds. Below is the Response that I received from Cashapp. They denied all my Claims. 

XXXX XXXX XXXX XXXX XXXX XXXX Cash App Card Yesterday + {$100.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX Cash App Card XX/XX/XXXX {$340.00} XXXX XXXX XXXX XXXX Cash App Card XX/XX/XXXX {$340.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Cash App Card XX/XX/XXXX {$340.00} XXXX XXXX XXXX XXXX Cash App Card XX/XX/XXXX {$340.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Cash App Card XX/XX/XXXX {$270.00} XXXX XXXX XXXX XXXX Cash App Card XX/XX/XXXX {$340.00} XXXX XXXX XXXXXXXX XXXX Cash App Card XX/XX/XXXX {$160.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Cash App Card XX/XX/XXXX {$680.00} XXXX XXXX XXXX XXXX Cash App Card XX/XX/XXXX {$340.00} XXXX XXXX XXXX XXXXXXXX  Cash App Card XX/XX/XXXX {$100.00} XXXX XXXX XXXX XXXX Cash App Card XX/XX/XXXX {$190.00} Dispute denied We reviewed your dispute with XXXX for {$340.00}. 
and based on the information available to us, our investigation has led us to determine that the merchant fulfilled their obligations for the goods/services associated with this transaction. As a result, your dispute has been denied.

You can reach out

to Support for the documents we relied on to make this determination at any time. We appreciate your patience throughout the dispute process. Thank you, Cash App Support I kindly request that you address this issue with Cashapp please. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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:
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 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 2025-01-07 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: IL

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 non-monetary relief
Consumer complaint received 2025-01-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/year> Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting on Account Dear CFPB, I am filing a formal complaint against TransUnion regarding inaccurate information on my credit report related to late payments for the following account : Creditor Name : XXXX XXXXXXXX Account Number : XXXX Despite multiple disputes submitted on XX/XX/year> and XX/XX/year>, the inaccuracies remain unresolved. This failure to address the discrepancies constitutes violations of my rights under the Fair Credit Reporting Act ( FCRA ), Truth in Lending Act ( TILA ), and the Protection Against Non-Payment of Obligations Act ( PAANL ). Below is a detailed account of the errors and discrepancies : Errors and Discrepancies High Balance : {$5700.00} Last Verified : XX/XX/year> Date of Last Activity : XX/XX/year> Balance Owed : {$4300.00} Payment Amount : {$240.00} Credit Limit : {$5500.00} Legal Violations Fair Credit Reporting Act ( FCRA ) : Under 15 USC 1681i, credit reporting agencies are required to ensure the accuracy of the information they report. Despite my disputes, these inaccuracies persist.

15 USC 1681s-2 mandates data furnishers to report accurate informationXXXX XXXX XXXXXXXX has failed to provide corrected data despite clear errors. 
Truth in Lending Act ( TILA ) : 15 USC 1666b requires creditors to send periodic statements at least 21 days before the due date. The late payment reporting indicates a potential failure to comply with this requirement.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act emphasizes the need for timely and accurate billing to prevent unfair penalties. The reported late payments contradict my payment history and harm my creditworthiness unjustly.

Supporting Evidence I have attached the following documentation to support my claim : Copies of previous dispute letters ( dated XX/XX/year> and XX/XX/year> ). 
Credit reports from TransUnion showing discrepancies. 
Proof of timely payments for the disputed months. 
Desired Resolution Immediate removal of all inaccurate late payment notations for the months of XXXX and XX/XX/year>. 
Written confirmation of the correction from TransUnion. 
Failure to resolve this matter promptly will result in further action, including complaints to the Consumer Financial Protection Bureau ( CFPB ) and possible legal recourse. 
Thank you for your prompt attention to this matter. 
Sincerely, 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 2025-01-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/year> Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting on Account Dear CFPB, I am filing a formal complaint against TransUnion regarding inaccurate information on my credit report related to late payments for the following account : Creditor Name : XXXX XXXX Account Number : XXXX Despite multiple disputes submitted on XX/XX/year> and XX/XX/year>, the inaccuracies remain unresolved. This failure to address the discrepancies constitutes violations of my rights under the Fair Credit Reporting Act ( FCRA ), Truth in Lending Act ( TILA ), and the Protection Against Non-Payment of Obligations Act ( PAANL ). Below is a detailed account of the errors and discrepancies : Errors and Discrepancies High Balance : {$5700.00} Last Verified : XX/XX/year> Date of Last Activity : XX/XX/year> Balance Owed : {$4300.00} Payment Amount : {$240.00} Credit Limit : {$5500.00} Legal Violations Fair Credit Reporting Act ( FCRA ) : Under 15 USC 1681i, credit reporting agencies are required to ensure the accuracy of the information they report. Despite my disputes, these inaccuracies persist.

15 USC 1681s-2 mandates data furnishers to report accurate information. XXXX XXXXXXXX has failed to provide corrected data despite clear errors. 
Truth in Lending Act ( TILA ) : 15 USC 1666b requires creditors to send periodic statements at least 21 days before the due date. The late payment reporting indicates a potential failure to comply with this requirement.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act emphasizes the need for timely and accurate billing to prevent unfair penalties. The reported late payments contradict my payment history and harm my creditworthiness unjustly. 
Supporting Evidence I have attached the following documentation to support my claim : Copies of previous dispute letters ( dated XX/XX/year> and XX/XX/year> ). 
Credit reports from TransUnion showing discrepancies. 
Proof of timely payments for the disputed months. 
Desired Resolution Immediate removal of all inaccurate late payment notations for the months of XXXX and XX/XX/year>. 
Written confirmation of the correction from TransUnion. 
Failure to resolve this matter promptly will result in further action, including complaints to the Consumer Financial Protection Bureau ( CFPB ) and possible legal recourse. 
Thank you for your prompt attention to this matter. 
Sincerely, 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 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This morning, I discovered accounts on my credit report that are completely inaccurate, and Im utterly baffled about how this happened. Ive checked my credit report like I always do, but suddenly, there are these mistakes. I tried refreshing my browser, thinking it might fix itself, but the errors remained. Please, Im begging you to carefully examine the information Ive provided to resolve this once and for all.

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 2025-01-07 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: NJ

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal infomation made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I created a Venmo account to receive a payment, and the payment was made. I have {$580.00} in the account, but Venmo closed my account, and I cant access the money or transfer it to my bank. This has been unresolved for a year, and I dont know what else to do. 
Venmo account Venmo is a service of Pay Pal, Inc. 
NMLS ID : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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: NY

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : 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 2025-01-07 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: WA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-01-07 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: NY

Complaint narrative:
I am writing to inform you that my personal information was exposed in a national data breach, and after reviewing my credit report, I noticed several unfamiliar accounts that I do not recognize. I have contacted the credit reporting agencies ( CRA ) to request validation of these debts ; however, I have not received the necessary information due to the exposure of my personal data during the breach. As a result, I have filed a complaint with the Federal Trade Commission ( FTC ) to report the unauthorized accounts and potential identity theft. I have included several supporting documents with this communication, including the FTC complaint, a copy of my ID, my Social Security card, a XXXX XXXX XXXX XXXX XXXX XXXX report showing my information was exposed, and the debt validation letter. I am taking steps to resolve this issue and protect my identity, and I would appreciate your assistance in verifying these accounts and ensuring that any fraudulent activity is removed from 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 explanation
Consumer complaint received 2025-01-07 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: NY

Complaint narrative:
I am writing to inform you that my personal information was exposed in a national data breach, and after reviewing my credit report, I noticed several unfamiliar accounts that I do not recognize. I have contacted the credit reporting agencies ( CRA ) to request validation of these debts ; however, I have not received the necessary information due to the exposure of my personal data during the breach. As a result, I have filed a complaint with the Federal Trade Commission ( FTC ) to report the unauthorized accounts and potential identity theft. I have included several supporting documents with this communication, including the FTC complaint, a copy of my ID, my Social Security card, a XXXX XXXXXXXX XXXX XXXX XXXX XXXX  report showing my information was exposed, and the debt validation letter. I am taking steps to resolve this issue and protect my identity, and I would appreciate your assistance in verifying these accounts and ensuring that any fraudulent activity is removed from 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 explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/XXXX, a fraudulent transaction was made with my Business card ending in # XXXX for the amount of {$9400.00} dollars to the company XXXX XXXX XXXX in Florida, without my authorization. I contacted the Wells Fargo bank instantly when I saw the transaction informing them that I do not know about the transaction and the company, that I did not authorize that transaction and I canceled the card, because it is a fraudulent transaction. The transaction was pending and they still approved it. I started a first claim with # XXXX and a police report with Case Number # XXXX and still 8 days later they called me and told me that the transaction was legal and that they were very sorry. I have done everything legally within my power and the bank knows that I did not make that transaction. The Wells Fargo bank has no proof of who did it nor evidence that I did it. They started a second claim with # XXXX and to date I have not seen any favorable decision for me. I have worked very hard to lose my money in that fraudulent way and the Wells Fargo bank is responsible for safeguarding one 's interests. I hope that through you we can solve this injustice that the bank is doing against me. Thank you so much.

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 2025-01-07 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no knowledge of these accounts. Never opened 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 2025-01-07 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no knowledge of these accounts. Never opened these accounts

Company response to consumer: Closed with non-monetary relief