vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: MI

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

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 2025-01-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Upstart Holdings, Inc.
State: TX

Complaint narrative:
I was approved for a loan for {$220.00} on the XXXX of XXXX. The funds were supposed to be sent between the XXXX and XXXX, and I was told that they were deposited on the XXXX. It is the XXXX and I have not received the funds. It is no where to be found in my bank account, and my bank checked for me and they couldn't find the funds on hold or anywhere else. The loan company insists that I received the funds. I reached out to my bank ( XXXX ) to help me and they will be investigating. They asked me for the trace number, which I did not have, so when I called the loan company ( Upstart ) again I asked for it. They refused to provide it to me which seemed off. They are saying that my bank has to contact them first, but the bank was asking for the trace number to find the transaction in order to investigate. I was able to give them the loan number at least but this entire experience is off putting and frustrating. They are still going to charge me payments even though I never received funds. I have screenshots of messages with my bank where they tell me they can't find anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
XX/XX/2025 I opened a new account with citizens bank in which I also made a deposit of my tax refund check same day. Being that it was a new account I knew I had to give them a few days to clear my funds a few days turned into XX/XX/XXXX or XXXX thats when I made the call to the bank they ensure me that my funds will be released on XX/XX/XXXX which is diabolical. I waited till the XXXX to call back and now they extended my hold for an extra 45 days which put me in so much backed up bills I dont know what to do I never herd of a bank holding funds for over 60 days

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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:
Subject : Dispute of Incorrect Information on My Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. After reviewing my report, I noticed the following entries contain errors : XXXX : XXXX XXXX  DELETE ACCOUNT XXXX : XXXX XXXX XXXXELETE ACCOUNT I am disputing these items based on their inaccuracy, supported by recent developments and findings in legal cases against credit reporting agencies, including XXXX and XXXX. 

1. Recent Lawsuit Findings : In separate rulings, courts have determined that Equifax and Experian failed to maintain reasonable procedures to ensure maximum accuracy of consumer credit information. These findings highlight systemic issues within the bureaus ' processes that may directly impact the accuracy of reports like mine.

2. Consumer Reporting News : Reports have surfaced indicating that systemic flaws in the verification and dispute-handling processes of Equifax and XXXX have led to widespread errors. As a consumer, I expect these bureaus to uphold their obligation under the Fair Credit Reporting Act ( FCRA ) to report accurate information and conduct thorough investigations of disputes. 
Under the FCRA, I am requesting : 1. Immediate investigation into the disputed items listed above.

2. Removal or correction of the inaccurate information.

3. An updated copy of my credit report reflecting these corrections. 
I have attached copies of supporting documentation to aid in your investigation, including : A copy of my credit report highlighting the disputed items. 
Documentation supporting my claim of inaccuracy. 
Please conduct a thorough investigation and provide me with a written response regarding the outcome within 30 days, as required by law. 
Thank you for your attention to this matter. I look forward to your prompt resolution of these inaccuracies. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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:
It is unacceptable to have this late payment on my account, given my history of making payments on time. Please remove it and update my account accordingly.

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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
To Whom It XXXX Concern, Subject : Formal Dispute of Erroneous Accounts on My Credit Report I am writing to formally dispute the accuracy and legitimacy of the following accounts reported on my credit file. These accounts contain false, unverifiable, or misleading information, which must be immediately corrected or deleted as required by law. 

XXXX  Accounts Medical Data Systems Inc Date Opened : XX/XX/XXXX Reported Balance : {$1600.00} Last Reported Date : XX/XX/XXXX Remarks : Placed for collection, Account information disputed by consumer XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Reported Balance : {$2200.00} Last Reported Date : XX/XX/XXXX Remarks : Placed for collection, Account information disputed by consumer XXXX XXXX XXXX Accounts Date Opened : XX/XX/XXXX Reported Balance : {$3200.00} Last Reported Date : XX/XX/XXXX Remarks : Placed for collection, Account information disputed by consumer The XXXX companies down below XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone : XXXX Website : XXXX : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : XXXX Website : XXXX XXXX XXXX XXXX Address : XXXX Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX Phone : XXXX Website XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: CT

Complaint narrative:
I am writing to file a formal complaint against XXXX for failing to appropriately address fraudulent information on my credit report. As a victim of identity theft stemming from the XXXX data breach, my personal information was compromised. Per XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am entitled to request the blocking of fraudulent or inaccurate information on my credit report. However, XXXX has not taken adequate steps to resolve this issue. I respectfully request your assistance in ensuring compliance and the removal of all fraudulent entries from my report. 


XXXXXXXX XXXX XXXX XXXX Balance - XXXX Opened - XX/XX/XXXXXXXX XXXX XXXXXXXX Balance - {$6700.00} XXXXXXXX XXXX Date - XX/XX/XXXX and XX/XX/XXXX This is a fraudulent inquiry. Please delete immediately XXXX XXXX  XXXX Date - XX/XX/XXXX This is a fraudulent inquiry. Please delete immediately XXXX XXXX Date - XX/XX/XXXX This is a fraudulent inquiry. Please delete immediateXXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX This is a fraudulent inquiry. Please delete immediately XXXX XXXX XXXX XXXX Date - XX/XX/XXXX This is a fraudulent inquiry. Please delete 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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX, Ga XXXX XXXX ( XXXX ) XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Removal of Closed Accounts from My Credit Report Dear Sir/Madam, I am writing to formally request the removal of closed accounts from my credit report. After reviewing my current credit report, I have noticed that these closed accounts are still being reported, which I believe is in violation of the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX. XXXX. 
According to the FCRA, negative information such as closed accounts should be removed from my credit report after a certain period of time, typically no later than seven years. I kindly request that you investigate and remove any closed accounts that are beyond the legal reporting time frame or that no longer reflect an accurate representation of my current credit situation. 
Please provide me with a copy of my updated credit report after the necessary adjustments have been made. If you require any further documentation to process this request, please let me know. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: ASAP Credit Repair
State: TX

Complaint narrative:
I really forgot the company actual name but I did paid them a little to start but I didn't see NO! Improvement just on a start off payment plus I tried to despute on some of the items I didn't recognize on XXXX it didn't never go through But I forgot the name of the company I was dealing with I will try to look them up I don't know there name off hand because I tried to despute some items myself nothing never helped

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-27 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:
Under XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXubject to subsection XXXX XXXX XXXX  and except as provided in subsection XXXX XXXX XXXX  If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 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 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 2025-01-27 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:
Under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) subject to subsection XXXX XXXX XXXX and except as provided in subsection XXXX XXXX XXXX  If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 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 XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXXXX 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 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 2025-01-27 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:
Subject : Dispute of Incorrect Information on My Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. After reviewing my report, I noticed the following entries contain errors : XXXX XXXX XXXX XXXXXXXX DELETE ACCOUNT XXXX : XXXX XXXX XXXX XXXX ACCOUNT XXXX : CENTERPOINT DELETE ACCOUNT **** : XXXX XXXX XXXXXXXX XXXX ACCOUNT I am disputing these items based on their inaccuracy, supported by recent developments and findings in legal cases against credit reporting agencies, including XXXX and XXXX XXXX 

3. Recent Lawsuit Findings : In separate rulings, courts have determined that XXXX and XXXX failed to maintain reasonable procedures to ensure maximum accuracy of consumer credit information. These findings highlight systemic issues within the bureaus ' processes that may directly impact the accuracy of reports like mine.

4. Consumer Reporting News : Reports have surfaced indicating that systemic flaws in the verification and dispute-handling processes of XXXX and XXXX have led to widespread errors. As a consumer, I expect these bureaus to uphold their obligation under the Fair Credit Reporting Act ( FCRA ) to report accurate information and conduct thorough investigations of disputes. 
Under the FCRA, I am requesting : 4. Immediate investigation into the disputed items listed above.

5. Removal or correction of the inaccurate information.

6. An updated copy of my credit report reflecting these corrections.

I have attached copies of supporting documentation to aid in your investigation, including : A copy of my credit report highlighting the disputed items. 
Documentation supporting my claim of inaccuracy. 
Please conduct a thorough investigation and provide me with a written response regarding the outcome within 30 days, as required by law. 
Thank you for your attention to this matter. I look forward to your prompt resolution of these inaccuracies. 

Sincerely,

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 2025-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MS

Complaint narrative:
I have been a member at USAA Bank for better than 20 years and countless times my debit card has been hacked. They cancel my card and then send me a new which results in me having to update my auto pay to other companies. I have other credit cards and a debit cards from another banks and have never had them hacked. I and many other people believe they dont have the proper security systems in place to protect their customers information and when you complain about it they have no explanation. Its obvious they dont care about their customers.

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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: IL

Complaint narrative:
On XX/XX/XXXX the company decided to restrict my account for review until XX/XX/XXXX the date continued pushing until XX/XX/XXXX. After this date they decided to start closing my account. As of XX/XX/XXXX they are still holding my funds XXXX not allowing the transfer of funds and claims over the next 15 days they will transfer funds from my accounts. This is an excessive amount of time to hold XXXX XXXX. This is disallowing need and use of the funds. The bank only responds with canned replies. 

The company made no attempt to contact me to assist in resolving the restriction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint against Cash App ( Block Inc ) due to inadequate customer service, unauthorized fraudulent charges on my account, unfair practices which violates the Consumer Financial Protection Act. Specifically, Cash App failed to take timely and effective measures to prevent 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 : Regulation E. These actions have caused significant inconvenience and financial loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: WELLS FARGO & COMPANY
State: SD

Complaint narrative:
Wells Fargo charged me my entire amount for a furniture loan instead of the monthly payment that we had agreed apon. Wells Fargo charged me over XXXX instead of the XXXX. Called them to have this reversed on XX/XX/year> Wells Fargo said I should have my money back by the latest as of XX/XX/year>. Called them today since I had not received this payment. Was told it was filed incorrectly. now I will not receive my money back untill XX/XX/year> at the latest. I was charged an overdraft fee from my bank because of this. I can not pay my bills because of this that are due.

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 monetary relief