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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX  XXXX inquiry on XX/XX/year> was not authorized by me and needs to be deleted immediately.

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: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
Ive been a loyal American Express customer for over XXXX years, but lately, dealing with them has been incredibly frustrating. Theyve refused to negotiate with me or offer any meaningful financial relief. What they do offer is help that would actually make my situation worse. 

Back in XX/XX/XXXX, Amex demanded that I pay {$1900.00} within XXXX hours, threatening to lower my credit limit if I didnt. I paid it, only to receive an email on XX/XX/XXXX, notifying me that my credit limit had been reduced from {$9000.00} to {$8200.00}. Despite having a solid payment history, Amex has treated me unfairly. 

Over the last few years, Ive faced some unexpected financial challenges with other credit cards, but Ive been working to resolve those issues. Throughout this time, my Amex account has remained unaffected, and Ive consistently made at least the minimum payments, often paying more. 

Currently, my APR is 28.99 %, which has caused my monthly payment to skyrocket to over {$220.00}. However, the balance never seems to decrease. Ive reached out to Amex multiple timesboth by phone and through chat supportto request a lower APR, but each time Im told that its out of the representatives hands and that its controlled by a computer. Their website says that APR issues can be discussed with customer service, but when I questioned a representative about this, she hung up on me. 

I also must add that since Amex reduced my credit limit, every month when my payment is due, I get an email that my account is over the limit and I must make a payment right away. Of course this causes me great stress. Especially when I know even though I'm paying the minimum my balance won't decrease. It's as iff I'm throwing money out the window. 

So far, all Ive been offered is a terrible payment plan that would do me more harm than good. Theyve suggested I pay {$200.00} a month ( just {$25.00} less than my current required payment ) and enroll in a XXXX plan. This would restrict my card usage and negatively affect my credit score, which would have long-term consequences for my finances.

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: 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:
My issues started sometimes in the beginning of XXXX. I was no longer able to check my credit score on the Equifax website. To my surprise, I wasn't able to see anything on my profile. This may be a coincidence but on XX/XX/XXXX I went on a date with an employee from Equifax. His name is XXXX XXXX. When I asked him what he does for a living he said he works for Equifax ( I believe he is XXXX XXXX XXXX XXXX XXXX  but can't be sure ). I said " Oh I have an excellent score '' to which he replied " Oh I can " fix '' that for you ''. I thought he was joking but after I refused to go on second date with him and not pursue a relationship with him, and after he slandered me to a client which caused me to lose that client, I decided to check on my credit score. When I wasn't able to see it I started to panic and went to check it on XXXX XXXX where I saw that my score indeed went down. 
I called Equifax and told them my concern : 1 ) I am unable to see my credit report details & credit score ; 2 ) I am concerned with the fact that my credit score went down after I refused to go on a XXXX date with their employee and fear he might have access to my private info. 
I shared my concerns with XXXX employee id : XXXX who said she opened a case. # XXXX After not hearing from them I called again on XX/XX/XXXX and spoke with XXXX employee id : XXXX ( office of consumer affairs ) who opened another case case XXXX, because the first one was not correctly opened. 

No word from them so I called again on XX/XX/XXXX. Allegedly my account got flagged by someone ( they refused to disclose who ) and that's why I wasn't able to see my info. I provided all requested documents ( drivers license and SSN ) several times during several phone calls I got reassured that the issue would be resolved but it hasn't. At that point I asked them to cancel my account. 

On XX/XX/XXXX I checked to see if the account was cancelled and it was still active. XXXX XXXX XXXX sent the request to technical department to delete the online equifax account XX/XX/XXXX. 

Every time I call I spend at least XXXX h / call, I run into incompetence and a lack of desire to have my concerns addressed, especially the one that required an internal investigation into the potential abuse of power from one of their employees. It's been exhausting and my XXXX  really is through the roof because of my experience with Equifax, their refusal to address my concerns or escalate the situation to a higher level who could.

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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX Account # : XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX  Account # : XXXX XXXX  XXXX Account # : XXXX XXXX  Account # : XXXX XXXX  Account # : XXXX XXXX  Account # XXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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 am Filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: Block, Inc.
State: NV

Complaint narrative:
I had issues with adding my government benefits card and withdrawal of said funds and refunds, I never got the option to talk to someone as XXXX and other retail requested. This was from the time I signed up till XX/XX/year>, it was monthly, ranging from XXXX to XXXX. I had to use in app chat and some issues didn't get remedy. I kept being told to use a different card. Refunds were a hit and miss because the vendors needed me to talk to CashApp to give information but I couldn't. I've had to replace my card a couple of times due to fraud and scams, I got frauded for {$200.00} total that I can remember because it was so long ago the records are not in app, I think it's because I have changed cards multiple times.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
XXXX reported inconsistently or not listed properly. 
XXXX XXXX reporting discrepancies compared to XXXX and XXXX. 
XXXX XXXX XXXX reporting charge-offs monthly, violating XXXX XXXX standards. 
Failure to list duplicate accounts consistently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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 filling a complaint against Cash app ( Block, ink. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fraud transfer act ( EFTA ) and regulations 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 2025-01-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) 281 SW715.719 presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists. ( please remive these accounts before i seek litigation for defamation of character ) XXXX XXXX  balance {$0.00}, self balance {$280.00}, XXXX XXXX balance {$0.00}, XXXX XXXX XXXX associate balance {$260.00}

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am filing this complaint because Equifax has failed to conduct a reasonable investigation into my credit dispute and continues to ask for identity verification, despite already receiving the required documents. This violates my rights under the Fair Credit Reporting Act ( FCRA ). 

XXXX. Details of the Dispute On XX/XX/year>, I submitted a dispute to Equifax regarding an inaccurate/unverified debt on my credit report. 
Along with my dispute, I included a copy of my government-issued ID, and a recent bank statement to verify my identity. 
Despite this, Equifax has repeatedly sent letters requesting the same verification documents, rather than investigating my dispute. 
This is a deliberate delay tactic that prevents me from exercising my rights under the FCRA.

3. FCRA Violations Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ) Equifax is required to investigate my dispute within 30 days but has instead delayed the process by repeatedly requesting documents they already have.

Failure to Provide a Meaningful Response Instead of investigating, Equifax is sending form letters requesting verification already provided.

4. Desired Resolution I request that the Consumer Financial Protection Bureau ( CFPB ) order Equifax to immediately process my dispute as required under the FCRA.

If Equifax can not verify the debt, they must remove it.

If Equifax claims they need further verification, they must provide a legitimate explanation rather than delaying my dispute with repetitive requests.

5. Supporting Documents I have attached : A copy of my original dispute letter to Equifax Copies of the verification documents I already provided Equifaxs repeated requests for verification A copy of my credit report showing the disputed debt

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: IN

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXXXXXX 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: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: GA

Complaint narrative:
Cash app, taking and missing money. There never anyone to talk with customer service. Taking money for service without permission, stc

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: 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: IL

Complaint narrative:
Complaint to TransUnion XXXX XXXX XXXX XXXX and XXXX XXXX Firm Complaint Title : Failure to Accurately Report, Failure to Verify, and Violations of FCRA & FDCPA Issue : Inaccurate Reporting of Debt by Resurgent Receivables LLC Failure to Verify Debt Before Reporting Debt Collection Violations by XXXX XXXX XXXX XXXX XXXX 

Description : I am filing a formal complaint against TransUnion for reporting inaccurate and unverified debt information in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 
XXXX. XXXX XXXX  XXXX is reporting an account on my TransUnion credit file without providing full debt validation.

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), creditors must report only accurate and verifiable information.

Despite multiple requests, Resurgent has failed to provide a Forward Flow Agreement, Bill of Sale, or proof of legal assignment of this debt from XXXX XXXX XXXX, XXXX. 
Resurgent can not legally furnish data to TransUnion if it can not prove ownership or assignment of this debt. 
XXXX. XXXX XXXX XXXX XXXX is attempting to collect on behalf of XXXX without validating the debt. 
XXXX XXXX XXXX has received multiple requests for validation and failed to respond.

Under 15 U.S.C. 1692g, they must cease collection efforts until they provide validation, but they continue reporting information to TransUnion.

3. TransUnion has inaccurately listed this account under the loan type Factoring Company Account, which is misleading and deceptive. 
A factoring account refers to business receivables financing, which does not apply to this consumer debt.

This misclassification negatively impacts my credit report by making it appear as a high-risk financial transaction when it is not.

This is a violation of 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to maintain accurate and fair consumer reports.

4. TransUnion has failed to conduct a reasonable investigation under the FCRA. 
Despite my disputes, TransUnion has continued to verify the accuracy of this account without obtaining actual proof from XXXX. 
If TransUnion is unable to provide concrete evidence that XXXX legally owns and has the right to report this account, they are in violation of the FCRA.

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 — Credit inquiries on your report that you don't recognize
Company: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
Formal Demand to Validate Unauthorized Credit Inquiry I am writing to address a credit inquiry from your company dated XX/XX/year> on my credit report. I do not recognize this inquiry, nor have I authorized GM Financial to access my credit report. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681b, you are required to have permissible purpose before obtaining my consumer credit report. Which I did NOT provide. 

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to provide proof that you had a permissible purpose to obtain my credit information. I demand that you provide the following documentation immediately : 1. Proof of my explicit authorization for this inquiry, including any signed agreements or consent forms bearing the GM Financial name.

2. A detailed explanation of the purpose of the inquiry and the basis on which it was made to GM Financial. 
XXXX. The name and contact information of the individual or department within GM Financial responsible for initiating this inquiry. 

If you can not provide the requested documentation proving that this inquiry was legally authorized, you must take immediate steps to : Remove the inquiry from my credit file. 
Notify all credit reporting agencies of the correction. 
Confirm in writing that these actions have been completed. 

Failing to respond to this request or refusing to provide proper validation will result in formal complaint being filed to the State Attorney Generals office and the Federal Trade Commission ( FTC ), and potentially pursue legal action for violations of my consumer rights. This unauthorized inquiry has damaged my creditworthiness and constitutes a serious breach of federal law. I expect your response within XXXX calendar days of receipt of this letter. Ignoring this matter will only escalate the issue further. Consider this my final attempt to resolve this issue directly with your company before taking legal and regulatory action.

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to address a serious issue with my credit report. It appears that an account belonging to someone else has been mixed with my credit information. This is not my account, and it is negatively affecting 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