vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-25 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: NY

Complaint narrative:
This letter serves as a follow-up to my ongoing dispute regarding unverified negative items on my credit report. Despite my repeated requests for deletion and your assurance of an investigation, I have not received any verification or confirmation regarding the accuracy of these negative items.

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 2025-01-25 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 am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) -- ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-01-25 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: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed an account with misinformation reported on my credit report. This has been detrimental to my credit score and my life.

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 2025-01-25 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: TX

Complaint narrative:
I cant shake the frustration of having my credit dragged down by accounts I never opened. Its hurt me in ways I didnt even realize until recently, and Im tired of feeling stuck because of someone elses mistake.

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 2025-01-25 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: MO

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

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 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX credit card account was never late yet. It is being reported on my credit report for XXXX and Experian. When I brought up this fact to them, they denied my request to update. My credit file yet provided no evidence that my payment was 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 2025-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NE

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 2025-01-25 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: NV

Complaint narrative:
Equifax XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX Subject : Dispute of Inaccurate Reporting on Fingerhut/Webbank Account Dear Equifax , I am writing to formally dispute an inaccurate entry on my credit report. According to my report, the XXXX account listed below shows incorrect information regarding the account 's payment history and charge-off status. 
Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Charge-Off Amount : {$670.00} The issue lies in the following points : XXXX. Payment History : The report indicates that I was XXXX days late on multiple occasions from XX/XX/XXXX to XX/XX/XXXX. However, the account shows no data after XX/XX/XXXX, and the " charge-off '' status is not accompanied by proper late payment history for the months that followed. There are significant gaps in the reporting, particularly the absence of any updates postXXXX XXXX, which is inconsistent with the timeline of events. 
XXXX. Account Status : The account is listed as a charge-off with a balance of {$670.00}, but there is no indication or documentation of the charge-off process having been properly followed according to credit reporting standards. The lack of reporting post-XXXX  XXXX suggests incomplete or inaccurate reporting of the account 's lifecycle, further supporting my dispute. 
Given these inaccuracies, I request that the Fingerhut/Webbank account be thoroughly reviewed and deleted from my credit report in accordance with the Fair Credit Reporting Act. 
Thank you for your immediate attention to this matter. Please confirm in writing once the necessary deletion has been made. I have disputed this account before with no resolution. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: CA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence i provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Late at night on XX/XX/year> I received the following email : " We have recently reviewed your usage of Venmo 's services, as reflected in our records. Due to the nature of your activities, we have chosen to discontinue service to you in accordance with Venmo 's User Agreement. As a result, we have placed a permanent limitation on your account. 

We ask that you please remove any and all references to Venmo from your website and social media accounts. 

You may transfer the remaining account balance to your bank account, but you will no longer be able to access your Venmo account. '' I request that VenMo please reconsider this decision and double-check my account. 

As you can see from my account activity, I haven't received any money for any transactions, except for transfers to increase my balance as I've only used it sparingly to pay friends relatively low dollar amounts as well as pay the balance on my VenMo credit card. 

There are no -- and have never been -- any references to this account on any website or social media account as it's never been used for any business purposes whatsoever. 

This account is XXXX XXXX XXXX and was in complete compliance with policies. If there were any issues I'd be completely open to fixing them and making sure they stay that way. 

Can you please look into the history of this account and if there are any issues give me a chance to do whatever I have to do to get it restored? 

I was an honest user of VenMo and request to work this out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: FL

Complaint narrative:
I am filing a formal complaint against Equifax for its failure to properly investigate my disputes regarding inaccuracies in my credit report. Despite my repeated attempts to resolve these issues, I continue to receive responses within XXXX hours stating that the account is accurate without any evidence of a thorough or complete investigation. This practice is a clear violation of the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which requires credit reporting agencies to conduct reasonable investigations of disputed information. Additionally, Equifax 's actions appear to contradict the Consumer Financial Protection Act ( CFPA ) and the Consumer Financial Protection Bureau 's ( CFPB ) recent administrative proceedings addressing similar violations. 

Accounts being reported inaccurately, please delete : - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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: NV

Complaint narrative:
Equifax, XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX Subject : Dispute of Inaccurate Reporting on XXXX XXXX XXXX Account Dear Equifax XXXX XXXX am writing to dispute an erroneous entry on my credit report regarding my XXXX XXXX XXXXXXXX  account XXXX The account listed below shows an inaccurate payment history and account status. 
Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Charge-Off Amount : {$660.00} The issue lies with the following discrepancies : XXXX. First Payment Never Received : The report states that " first payment never received, '' however, I have documentation that confirms that the first payment was made on time and was received by XXXX XXXX XXXX. This statement is not accurate and needs to be corrected. 
XXXX. Missing Payment Data : The account shows a significant gap in reporting from XX/XX/XXXX to XX/XX/XXXX, and reflects incorrect late payment statuses, including payments marked as " on time '' from XX/XX/XXXX to XX/XX/XXXX, which contradicts the report 's statement of no payments being made during that time. 
XXXX. No Data for Significant Periods : The report also shows no data from XX/XX/XXXX through XX/XX/XXXX. This is a clear inconsistency in the data, and I request that this missing information be fully reported to reflect the accurate timeline of events, or the account be deleted if such information can not be verified. 
Based on these inaccuracies, I kindly request that this account be thoroughly investigated and removed from my credit report. I have disputed this account before with no resolution. 
Thank you for addressing this dispute. Please confirm once the necessary corrections have been made or if additional documentation is needed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
On the XXXX XXXX XX/XX/year> my next bill was due. They showed my total Bill to be a {$990.00} so I Pd that. On curiosity I wanted to see if I had finally finished with this stealing XXXX CO. so I checked the account again and it showed I still owed {$16.00} This shows that my suspicion, s was right they have constantly taking intrest out on me on every PRINCIPAL ONLY PYMTs!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: OH

Complaint narrative:
XXXX and Experian keep stating the my XXXX collection accounts are accurate. However, they are not. I want the accounts removed.

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 2025-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NV

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, ( 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 redres : for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: OK

Complaint narrative:
I WAS PART OF THE DATA BREACH FROM XXXX AND DEMAND THESE BE REMOVED! I I SUMMITED A REPORT TO THE GOVERMENT FOR THESE ACTS.

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 2025-01-25 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 not in school and this loan is fraudulent. I did not authorize this loan XXXXXXXX XXXX  XXXX / XXXX XXXX Account Information Address XXXX XXXX XXXX XXXX, XXXX XXXX Phone ( XXXX ) XXXX Monthly Payment {$0.00} Date Opened XX/XX/year> Responsibility Individual Account Account Type Installment Account Loan Type STUDENT LOAN Balance {$3000.00} Date Updated XX/XX/year> Payment Received

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 2025-01-25 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 not in school and this loan is fraudulent. I did not authorize this loan XXXXXXXX XXXX  XXXX / XXXX XXXX Account Information Address XXXX XXXX XXXX XXXX, XXXX XXXX Phone ( XXXX ) XXXX Monthly Payment {$0.00} Date Opened XX/XX/year> Responsibility Individual Account Account Type Installment Account Loan Type STUDENT LOAN Balance {$3000.00} Date Updated XX/XX/year> Payment Received

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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:
I am not in school and this loan is fraudulent. I did not authorize this loan XXXX XXXX XXXX / XXXX XXXX Account Information Address XXXX XXXX XXXX XXXX, XXXX XXXX Phone ( XXXX ) XXXX Monthly Payment {$0.00} Date Opened XX/XX/year> Responsibility Individual Account Account Type Installment Account Loan Type STUDENT LOAN Balance {$3000.00} Date Updated XX/XX/year> Payment Received

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 2025-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Subject : Request to Block Fraudulent Information Pursuant to FCRA XXXX Dear XXXX, I am writing to formally request, pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ), that Experian block the following fraudulent information appearing on my consumer credit report. This information, which is the result of identity theft and fraud, must be blocked within XXXX business days of your receipt of this complaint. 
The fraudulent, inaccurate, and false information consists of : XXXX. XXXX XXXX Opened : XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Account Number : XXXX XXXX. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Opened : XX/XX/XXXX Account Number : XXXX These accounts have resulted in fraudulent hard inquiries and collections being reported on my credit file. I have attached a list of the hard inquiries in question and a copy of my consumer XXXX credit report maintained by Experian, which includes the fraudulent accounts, collections, and inquiries mentioned above. 

I do not recognize any of these accounts, collections, or inquiries as legitimate. These items were not opened, made, or initiated by me and are entirely the result of identity theft and fraud. 
As proof, I have included a copy of the FTC Identity Theft Criminal Complaint ( Case # : XXXX which confirms that the accounts, collections, and inquiries in question are the result of identity theft. 
Fair Resolution Requested : I request that Experian block all of the fraudulent accounts, collections, and hard inquiries identified in this complaint from my consumer credit file, pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ), within XXXX business days of receiving this complaint. Additionally, I ask that all written correspondence regarding this complaint be sent to me via email at XXXX. 
Thank you for your prompt attention to this matter. I look forward to confirmation that these items have been removed as requested.

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