vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-22 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: LA

Complaint narrative:
I filled a dispute on Comenity Capital due to inaccurate information and removal. XXXX denied to follow up with the investigation. I recently was notified that CFPB has files a lawsuit against the company XXXX. They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! XXXX has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting a house. XXXX violates my rights as a consumer, as well as federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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 writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 

Below are the accounts I am requesting to be reinvestigated : XXXX, XXXX Account Name : [ conns ] Account Number : [ 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 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

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 2025-01-22 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: CA

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report multiple fraudulent accounts appearing on my consumer TransUnion and FICO credit reports, which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of various credit card accounts opened under the following details : XXXX XXXX XXXX, Account Type : Credit Card, Account Number : XXXX, Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX, Account Type : Credit Card, Account Number : XXXX, Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX, Account Type : Credit Card, Account Number : XXXX, Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX, Account Type : Credit Card, Account Number : XXXX, Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX XXXX, Account Type : Credit Card, Account Number : XXXX, Date Opened : XX/XX/XXXX ; XXXXXX/XX/XXXX Account Type : Credit Card, Account Number : XXXX, Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX, Account Type : Credit Card, Account Number : XXXX, Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX, Account Type : Credit Card, Account Number : XXXX, Date Opened : XX/XX/XXXX ; XXXX XXXX, Account Type : Credit Card, Account Number : XXXX, Date Opened : XX/XX/XXXX ; another XXXX XXXX XXXX account, Account Type : Credit Card, Account Number : XXXX, Date Opened : XX/XX/XXXX ; XXXX - XXXX, Account Type : Credit Card, Account Number : XXXX, Date Opened : XX/XX/XXXX ; XXXXXX/XX/XXXX Account Type : Credit Card, Account Number : XXXX, Date Opened : XX/XX/XXXX ; another XXXX XXXX XXXX account, Account Type : Credit Card, Account Number : XXXX, Date Opened : XX/XX/XXXX ; and XXXX XXXX - XXXX XXXX, Account Type : Credit Card, Account Number : XXXX, Date Opened : XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer credit reports, including inquiries from XX/XX/XXXXon XX/XX/XXXX, XX/XX/XXXXon XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX on XX/XX/XXXX. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ), ( XXXX ), and ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-01-22 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: CA

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report multiple fraudulent accounts appearing on my consumer TransUnion and FICO credit reports, which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of various credit card accounts opened under the following details : XXXX XXXX XXXX, Account Type : Credit Card, Account Number : XXXX, Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX, Account Type : Credit Card, Account Number : XXXX, Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX, Account Type : Credit Card, Account Number : XXXX, Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX, Account Type : Credit Card, Account Number : XXXX, Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX XXXX, Account Type : Credit Card, Account Number : XXXX, Date Opened : XX/XX/XXXX ; XXXX Bank, Account Type : Credit Card, Account Number : XXXX, Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX, Account Type : Credit Card, Account Number : XXXX, Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX, Account Type : Credit Card, Account Number : XXXX, Date Opened : XX/XX/XXXX ; XXXX XXXX, Account Type : Credit Card, Account Number : XXXX, Date Opened : XX/XX/XXXX ; another XXXX XXXX XXXX account, Account Type : Credit Card, Account Number : XXXX, Date Opened : XX/XX/XXXX ; XXXX - XXXX, Account Type : Credit Card, Account Number : XXXX, Date Opened : XX/XX/XXXX ; XXXXXX/XX/XXXX, Account Type : Credit Card, Account Number : XXXX, Date Opened : XX/XX/XXXX ; another XXXX XXXX XXXX account, Account Type : Credit Card, Account Number : XXXX, Date Opened : XX/XX/XXXX ; and XXXX XXXX - XXXX XXXX, Account Type : Credit Card, Account Number : XXXX, Date Opened : XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer credit reports, including inquiries fromXX/XX/XXXXon XX/XX/XXXX, XX/XX/XXXXl on XX/XX/XXXX, and XXXX XXXXXX/XX/XXXXon XX/XX/XXXX. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ), ( XXXX ), and ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-01-22 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: NC

Complaint narrative:
please check the information concerning the equifax data breach below in attachments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MO

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 2025-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
Paid off debt then debt come on credit again after it was paid off fully to the debt collectors

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX/XXXX/2025 Experian XXXX XXXX XXXX, XXXX, TX XXXX Subject : Dispute of Inaccurate Information in My Credit Report Dear CFPB, I am filing a complaint against Experian for failing to investigate my disputes regarding inaccuracies in my credit report properly. Despite my submission, I also reach out via phone. Experian consistently responds within 24 hours stating the account is accurate, without providing evidence of the thorough investigation. This practice violates the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX which mandates a reasonable investigation of disputes. Furthermore, Experian actions may also contravene the Consumer Financial Protection Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as highlighted in cfpbs recent administrative proceeding. ( XXXX XXXX XXXX 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. 
The item ( s ) in question are listed below : [ incorrect address, wrong personal details, etc. ) ]XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX, GA XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Provide the correct details if available. ] XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX I believe this information is inaccurate for the following reason ( s ) : DATA BREECH " This account does not belong to me. " ] To support my claim, I have enclosed copies of [ list supporting documents, such as payment receipts, correspondence with the creditor, or identity theft reports ]. 
Please reinvestigate this matter, verify the accuracy of the disputed information, and remove or correct the inaccuracies in my credit report. Please provide me with a written response detailing the results of your investigation and an updated copy of my credit report once the reinvestigation is complete. 
If the investigation can not be completed within the 30-day timeframe required by law, please inform me of the reason for the delay and the expected completion date. 
Thank you for your prompt attention to this matter. I look forward to your response. Should you require further information, please feel free to contact me at [ your phone number ] or [ your email address ]. 
Sincerely, XXXX XXXX XXXX Enclosures : [ List any documents you are including, e.g., copies of your credit report with disputed items highlighted, proof of payment, correspondence, etc. ]

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 2025-01-22 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: MO

Complaint narrative:
I disputed a few items i seen on my credit report and they did not give me any information just responded back that the information was accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Block, Inc.
State: MO

Complaint narrative:
I disputed a few items i seen on my credit report and they did not give me any information just responded back that the information was accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WY

Complaint narrative:
I bought an account for a game on XXXX. The seller of the account then took the account back, he changed the account details and locked me out of everything. He then denied stealing the account back from me, and the XXXX support ruled in favor for the seller in the internal review. 

I then disputed with Capital One for {$240.00}. Capital One took a month and ruled the dispute in the favor of the seller, so I have to pay the full amount. I appealed the dispute with documents showing I did not have access to the account, and Capital One denied my appeal again. 

Also, the platform, XXXX BANNED my account so I can't even appeal my order on their platform.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am a victim of identity theft in which I properly reported. There is fraud that is reported on my credit report. I asked for signed written contracts stating that I committed these acts. I have yet to receive any contracts to prove that this is my debt. I ask that the errors that I report below be removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: Affirm Holdings, Inc
State: LA

Complaint narrative:
I filled a dispute on XXXX XXXX due to inaccurate information and removal. XXXX denied to follow up with the investigation. I recently was notified that CFPB has files a lawsuit against the company XXXX. They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! XXXX has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting a house. XXXX violates my rights as a consumer, as well as federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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.
State: PA

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 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
I have filed several disputes with this company and after my last dispute they closed my account and would not allow me to open another and would not give me my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: WA

Complaint narrative:
I am filling a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax 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 ), 15 U.S.C. 1681i, of disputes. Futhermor, Equfax 's actions may also cntracene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for simular violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: CA

Complaint narrative:
I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate : XXXXXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Media Collections, Inc
State: TX

Complaint narrative:
Do not call my personal phone have started to harass my work by repeatedly calling my work phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MI

Complaint narrative:
I contacted a website that claimed to be cash app online over the phone and the let me in to procedures that caused me to lose {$750.00} I tried bringing the problem to cash app multiple times and the shut me down 3 times denying my claim

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XX/XX/2025 Subject : Dispute of Civil Liability for Negligence ( Reference : XXXX XXXX ) I am writing to formally dispute the claim of civil liability for negligence referenced as XXXX XXXX. After careful consideration of the circumstances surrounding this matter, I believe that the claim is unfounded and merits further review. 

Ive disputed XXXX XXXX XXXX several times due to lack of clarification of the company and accuracy of the amount owed. I have not gotten any resolve. 

I would like to point out the following points that highlight my position : XXXX. I have no verified debt with XXXX XXXX XXXX XXXX. The amount owed is not accurate Given these circumstances, I respectfully request that you reconsider the claim of negligence. I am willing to discuss this matter further and provide any additional documentation needed to support my position. 

Please respond to this letter as soon as possible, so we can work towards a resolution. I appreciate your attention to this matter and look forward to your prompt response. 

Thank you for your understanding. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: LEXISNEXIS
State: FL

Complaint narrative:
I recently reviewed my credit report and noticed several accounts that I do not recognize or recall ever opening. These accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I believe these accounts XXXX have been reported inaccurately, and their presence is negatively affecting my credit report. I contacted the credit reporting agency to dispute these accounts and provided all necessary documentation, including my identification, but the accounts remain on my report.

Company response to consumer: Closed with explanation