vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-06 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: EQUIFAX, INC.
State: CA

Complaint narrative:
kikoff filed a dispute report on XX/XX/XXXX and told equifax reviewed it XX/XX/XXXX. 

XXXX reported that on XX/XX/XXXX Equifax responded This response is well past 90 days. I demand complete removal of the items disputed. 

I called Equifax and they denied ever receiving a dispute from me or XXXX. 

XXXX stands by their work and product saying they have ongoing communications with equifax. I need help getting to the bottom of it. 

XX/XX/XXXX : 29 days ( from XX/XX/XXXX to XX/XX/XXXX, inclusive ) XX/XX/XXXX : 31 days XX/XX/XXXX : 31 days XX/XX/XXXX : 5 days ( up to and including XX/XX/XXXX ) Total : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX days ( well past legal to correct or report investigate etc )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: MI

Complaint narrative:
EQUIFAX is violating my consumer rights. They are fraudulently letting XXXXXXXX XXXX XXXXXXXX XXXX, management number XXXX report a fraudulent account on my credit profile. I have never heard of this company, nor should they have any information of mine. I was suspicious so I looked this company up on my Secretary of State website and seen that they aren't licensed to do business/collect a debt in my state. They are illegally doing business in Michigan. I'm asking you to enforce to enforce the laws on EQUIFAX for failure to investigate as I'm a federally protected consumer. I will also be reporting both EQUIFAX and XXXX XXXX XXXX XXXX to the IRS filling out form XXXX A information referral for unreported income since EQUIFAX gets paid from this company and this company isn't licensed to do business in my state, leads me to believe they are exporting people for money and not reporting it to the IRS XXXX I will also be reporting both companies to the Attorney General and XXXX XXXX XXXX I attached proof that XXXX XXXX XXXXXXXX XXXX isn't allowed to do business in my state. If the account isn't removed in 30 days, I'll also be filing the attached forms to sue both companies for defamation of character. They are making me look noncreditworthy to other lender and I have been denied credit due to this matter. It has caused me great emotional distress and my doctor has prescribed me Trazodone because I haven't been able to sleep at night due to the financial and emotional harm these XXXX companies have caused. I know that XXXX XXXX XXXXXXXX XXXX pays EQUIFAX to report inaccurate information and EQUIFAX refused to give me a fair investigation for their financial gain

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: NV

Complaint narrative:
Account is illegally reporting on my credit collection is violating my privacy and HIPAA law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
This account has been paid either in full or through settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: AL

Complaint narrative:
Please delete these fraudulent accounts from my credit report, as I did not authorize their creation. Kindly correct this 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 2025-02-06 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: IL

Complaint narrative:
I will keep on REWRITING to complaint to EQUIFAX about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified since my request is not taken into serious consideration. My address is XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XX/XX/XXXX..I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing. It has come to my attention that the Consumer Financial Protection Bureau ( CFPB ) has taken legal action against EQUIFAX due to systemic failures in conducting proper investigations of consumer disputes and for reporting inaccurate credit information.

The CFPB fined EQUIFAX {$15.00} million for failing to address credit report errors and not conducting adequate investigations in response to consumer disputes.. Given these serious violations, I expect my dispute to be handled in full compliance with the FCRA, including : 1.A complete and reasonable investigation within the 30-day period, as mandated by law. 2.A detailed explanation of your findings and the actions taken to correct any errors. 3.The provision of a free updated credit report reflecting the corrections made. I have enclosed supporting documentation to substantiate my claim, which should assist in your investigation.

Failure to properly investigate and correct these errors will leave me no choice but to escalate my complaint to regulatory authorities, including the CFPB and my state attorney generals office, and to seek legal remedies for damages caused by your agencys failure to comply with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: ROBINHOOD MARKETS INC.
State: PA

Complaint narrative:
I have several reporting that are false and inaccurate on various public records my name birthdate ssn and phone number numbers have been leaked since 2011 and Im still dealing with the effects of it all I have not been able to secure finances or employment and many others because of this. Im requesting that in accordance with all constitutional statues that my all information that has been reported that my seem harmful or negative to my overall well being be deleted immediately without delay

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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 did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I need your help in a serious matter involving my credit report. After reviewing my credit, I have realized XXXX & XXXX reporting damaging information to my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: WI

Complaint narrative:
When we received our Economic Impact Payments/stimulus, most of those were sent direct deposit, which is how I received mine via Cash app. Like most of those deposits ( if you had children ) the child 's name and your name was on it. The checks I received via cash app had my name and my child 's name. Which so many others have the same complaint. Now I can not use my cash app card. But I can still transfer and send money. I have sent in my ID with a picture of me holding it. Still no results. I can't talk to anyone but I can message or wait until they email me. This problem has been going on since 2021 when we first received our Economic Impact Payments. Now I can't add my children to the family account I can't approve their requests. I can't send them money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I noticed collections accounts on my credit starting in XX/XX/XXXX. Since then I have been consistently a target of identity theft in states that I have never even visited. I've requested investigations into these and disputed the collections in XXXX, XXXX, XXXX and XX/XX/XXXX. I placed a fraud alert on my account at this time. The collections started up again in XXXX, XXXX, and XX/XX/XXXX. It was during this time I discovered one of the collections did not even use the correct spelling of my name. At that time I then discovered personal information that was incorrect and fraudulent was added to my credit report - addresses I have never lived at, phone numbers that didn't belong to me, and misspellings of my name as well as a huge number of inquiries. I called and had this removed but it took 30 days to remove even though I'd had a fraud alert placed. At this time I placed a 7 year extended fraud alert. I then found more collections dated in XX/XX/XXXX and another collections placed in XX/XX/XXXX. I do not understand how after the placement of these fraud alerts that I am still dealing with this. How are these companies allowed to check my credit with fraudulent information and process these through? Each bureau has a " credit lock '' option that costs {$24.00} a MONTH. So because my information was sotlen and theses buereaus are incompetent - I have to pay {$75.00} a MONTH to protect myself? So they are not incentivized to ensure I am protected. They are very likely selling my information to ensure they line their own pockets through fake monitoring.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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 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 2025-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

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 2025-02-06 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: IL

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am victim of data breach in XXXX, XXXX, and XXXX. My personal information was used to obtain credit, goods and services. I attempted numerous times to update my current address directly with the credit bureaus, yet inaccurate and invalid information still remain like misspelled names and addresses. Inaccurate information are used to commit identity theft against me resulting in denial of banking, reputation damage, and loss of employment offers. I am writing to request blocking and deletion of information immediately in the attached document pursuant of laws FCRA 605 and 15 USC 1681c-2 due to identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: Kikoff Inc.
State: CA

Complaint narrative:
kikoff filed a dispute report on XX/XX/XXXX and told XXXX reviewed it XX/XX/XXXX. 

Kikoff reported that on XX/XX/XXXX XXXX responded This response is well past 90 days. I demand complete removal of the items disputed. 

I called XXXX and they denied ever receiving a dispute from me or Kikoff. 

Kikoff stands by their work and product saying they have ongoing communications with XXXX. I need help getting to the bottom of it. 

XX/XX/XXXX : 29 days ( from XX/XX/XXXX to XX/XX/XXXX, inclusive ) XX/XX/XXXX : 31 days XX/XX/XXXX : 31 days XX/XX/XXXX : 5 days ( up to and including XX/XX/XXXX ) Total : 29 + 31 + 31 + 5 = 96 days ( well past legal to correct or report investigate etc )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: MS

Complaint narrative:
I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX  and distress, and I am pleading with you to remove them 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 explanation
Consumer complaint received 2025-02-06 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: MS

Complaint narrative:
I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX  and distress, and I am pleading with you to remove them 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 2025-02-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Blackhawk Network Holdings Inc.
State: CO

Complaint narrative:
XX/XX/year>25 Purchased prepaid Card from XXXX XXXX. 

Tried paying my bill online they froze the card. I called them multiple times and they told me rest assured they would send me a digital replacement. I mentioned how I needed to pay for my sons daycare that my money was tied up they said the first time in 15 years their system crashed and they could neither fix my card, offer a replacement or help. Even though my bill is due they didnt care. Had I known they would do this I wouldnt purchase from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: RI

Complaint narrative:
I am filing this complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating that my account is accurate, without providing any evidence of a thorough investigation. The practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian actions may contravene the Customer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( B ), as highlighted in the CFBAs recent administrative proceedings ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB takes action to ensure that Experian complies with federal law and provides customers with the necessary proof of investigation. These accounts are XXXXXX/XX/XXXXand 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 2025-02-06 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: Bread Financial Holdings, Inc.
State: MS

Complaint narrative:
I am disputing inaccurate information on my credit report from Comenity Bank/XX/XX/XXXXXXXX XXXX The reported balance does not match my payment history, and the furnisher has failed to provide proof of accuracy, an itemized statement, or a copy of the original contract. 



Additionally, if this account was charged off, I was not provided a 1099-C form, which violates IRS reporting laws ( 26 U.S.C. 6050P ).

Laws Violated 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) : Creditors must report accurate information.

15 U.S.C. 1666 ( a ) : Right to request an original signed contract proving liability.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : If the furnisher can not verify accuracy, the item must be removed.

26 U.S.C. 6050P : If debt was written off, a 1099-C form must be issued.

What I Want A full itemized statement of all purchases, fees, and payments.

A copy of my original signed contract.

Proof of balance calculation or removal of the inaccurate account.

If the debt was written off, a copy of the required 1099-C form.

Company response to consumer: Closed with explanation