vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-24 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: FL

Complaint narrative:
There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information to be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions.

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 2025-02-24 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: DC

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-02-24 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: TOYOTA MOTOR CREDIT CORPORATION
State: LA

Complaint narrative:
On XX/XX/XXXX I filed disputes on serveral disputes on inquiries that were put on my credit report from XX/XX/XXXX to XX/XX/XXXX. The only creditor I allowed to inquire my credit in XXXX was XXXX XXXX, attached are the dispute resolutions I filled with XXXX which came back 2 days later on XX/XX/XXXX. I believe a thorough investigation was not done

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: MI

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 605B 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 explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XX/XX/XXXX XX/XX/XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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: TX

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking it.

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 2025-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

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 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
I have requested XXXX, XXXX XXXX XXXX d/b/a XXXX XXXX Services ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, FL XXXX XXXX underwriter to Ally Bank, honor their financial agreement by providing funding to that is owed to me under their auto contract agreement to purchase. 
This GAP Insurance provider was assigned to me by ALLY, when I purchased the vehicle that was involved in a car wreck and totaled out on XX/XX/year>. I dont feel that it is my responsibility to twist their arm to obtain funding that is owed to me. As a consumer, I did not select them to represent me as my GAP Insurance Policy provider, but was instead given NO choice to select a reputable XXXX Insurance Company provider. 
The only reply that ALLY is providing to me is to continue reporting negative information to my credit files and destroy my credit ability to invest in my future by charging me with late payments for a vehicle which I fully covered with my funds that no longer exist. 
I did not select a negligent company as a XXXX Insurance Provider and should not be penalized for their lack of payment. ALLY should continue to contact the XXXX Provider for full payment and not damage my credit ability. 
I have also asked that while this case is in litigation, their negative false information should be removed from my credit files pending resolution. The negative false information that Ally is reporting is damaging my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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 writing to formally lodge a complaint against Cash App ( Block , Inc. ) regarding its unlawful business practices, particularly as they pertain to the recent settlement over deceptive practices, failure to protect consumer funds, and unauthorized transactions. These actions not only violate consumer protection laws but also undermine financial security for thousands of users, including myself. 

Under the Electronic Fund Transfer Act ( EFTA ) ( 15 U.S.C. XXXX et seq. ), Cash App is legally required to investigate and resolve errors in electronic fund transfers in a timely manner. However, Cash App has engaged in a systematic failure to properly investigate and reimburse unauthorized transactions, leaving consumers financially vulnerable. In my case, I experienced [ describe unauthorized transaction, account freeze, or other issue ], and despite multiple attempts to resolve the matter through your customer service, I was met with delays, dismissals, and outright noncompliance. 

Furthermore, under the Consumer Financial Protection Act ( 12 U.S.C. XXXXXXXX XXXX XXXX  ), Cash App is prohibited from engaging in unfair, deceptive, or abusive acts or practices ( XXXX ). By misrepresenting its fraud protection policies and failing to provide clear, accessible means for dispute resolution, Cash App has engaged in deceptive conduct that has caused material financial harm. 

Additionally, Cash Apps failure to adequately safeguard customer funds may constitute a violation of state consumer protection laws, such as the California Unfair Competition Law ( XXXX XXXXXXXX. & XXXX XXXX XXXXXXXX XXXX XXXX  ), which prohibits fraudulent and misleading business practices. Given that Cash App provides financial services without being subject to the same federal banking regulations as traditional financial institutions, its failure to implement adequate fraud prevention and dispute resolution measures is particularly egregious.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: CT

Complaint narrative:
I XXXX XXXX am a victim of identity theft, requesting removal and deletion of account from my transunion, XXXX, and credit report. I am writing to formally report complaint for a debt of { {$1000.00} } that has been falsely reported on my credit report by I C System. account number XXXX. This debt was allegedly sold to a third party in and does not belong to me. I have verified my records and found no evidence to support this claim, nor have I received any prior notice, billing, or validation of this debt. I believe this reporting is erroneous and violates the Fair Credit Reporting Act ( FCRA ). Specifically, the issue lies in : Lack of Validation : I was not provided adequate verification of this debt as required under the Fair Debt Collection Practices Act ( FDCPA ). Erroneous Reporting : The collection does not correspond to any services I have received or authorized. Improper Sale of Debt : This debt originally belonged to the XXXX XXXX XXXX which was indeed sold to a third party IC System, I was not notified of the transfer, and no valid documentation was provided to substantiate its legitimacy. This false reporting has caused undue harm to my creditworthiness and financial stability. As per FCRA 611 ( a ), I am requesting an immediate deletion I received a negative report on credit report from this 3rd party collection agency Ive never done business with this company or never gave them my personal information I believe this company is illegally using my information and breaking the laws under 15 USc 1601

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 2025-02-24 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: GA

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. There is a BANKRUPTCY reporting on my credit report, These BANKRUPTCY is not mine and is result of FRAUD/ERROR. Please REMOVE it from my credit report IMMEDIATELY! because it is hurting my credit score so much. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

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 2025-02-24 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: GA

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. There is a BANKRUPTCY reporting on my credit report, These BANKRUPTCY is not mine and is result of FRAUD/ERROR. Please REMOVE it from my credit report IMMEDIATELY! because it is hurting my credit score so much. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

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 2025-02-24 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: NY

Complaint narrative:
There are many items on my credit file that are not mine and also credit accounts that have stemmed from identity theft. You are in violation of U.S. Code 1681 sections A and B. You are also in violation of U.S. Code 6802. I am ready to file a lawsuit against all 3 major credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: MO

Complaint narrative:
Hello, I am writing to express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite me using Zelle a bunch of times & reporting discrepancies, my financial institution & Zelle failed to investigate my claims adequately! They have informed me that recovering lost funds was very impossible & that tracking these transactions was unfeasible. The CFPBs findings indicated that Zelle has not just neglected to protect consumers but also allowed repeat offenders to exploit the system. Leaving user 's vulnerable to scams! This lack of accountability & transparency is very unacceptable and raises concerns about a consumer like myself safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: GA

Complaint narrative:
I recently checked my credit report and was shocked to find accounts that I do not recognize. I have never opened or authorized these accounts, yet they are being reported under my name. This is completely inaccurate and misleading, and I need immediate clarification on how this happened. These false accounts are creating an unfair representation of my financial history, and I will not allow this misinformation to remain on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: MOHELA
State: FL

Complaint narrative:
According to my XXXX credit report there is an account MOHELA/DOFED in the amount of {$75000.00}, in my name. Although it is in good standing it is not my account. Payments have been made but I have not made those payments. The MOHELA accounts were also on my XXXX and XXXX reports but were disputed and are now shown as closed. 

I need this removed because it is affecting my income-to-debt ratio for purchasing a home. 

I had student loans with XXXX but they are shown as closed on all my credit reports due to including them in a bankruptcy approximately 5 years ago. I have never had an account with MOHELA and whomever is making these payments is not getting credit towards their credit score. 

I have filed two disputes with XXXX. The first had no results and was closed. The second is still open but this MOHELA account needs to be addressed. Since it is not mine, I have no supporting documentation to prove it is not mine and I can't get a MOHELA representative on the phone to discuss the issue. 

I have tried contacting MOHELA directly by phone - but the wait to speak to a representative is usually XXXX hours. I have sent them a letter of my complaint on XX/XX/year> and of course have yet to hear from them because it has only been a week. 

I called XXXX today and they suggested I file a complaint with your agency in an effort to get MOHELA to respond to their investigation. 

Please call me at XXXX if you need further information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: MI

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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: OK

Complaint narrative:
This morning, I discovered incorrect accounts on my credit report, and I have no idea how they got there. I routinely check my credit report, but this time, I noticed unexpected discrepancies. I even refreshed my browser, thinking it might be a technical issue, but the errors remained. Due to this problem, I kindly request a thorough review of the documents Ive submitted so I can put this concern behind me for good.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Client Services, Inc.
State: MD

Complaint narrative:
CLIENT SERVICES, INC. ( CSI ), is a third-party debt collector who opened an account via Identity theft. CLIENT SERVICES, INC. ( CSI ) did not CONFIRM that there is NO CONTRACT between the " consumer '' and CLIENT SERVICES, INC. ( CSI ).

CLIENT SERVICES, INC. ( CSI ) responded to CFPB on XX/XX/year> : There were no contacts with the " consumer '' while the account was in our office. The " consumer '' account has been recalled by our client, the original and current creditor. 

CLIENT SERVICES, INC. ( CSI ) claim that the account was recalled by their client, yet I received another DEBT COLLECTION LETTER dated XX/XX/year>. 

The alleged creditor XXXX Bank failed to send me XXXX XXXX as per IRS guidelines . So, I e-filed Form XXXX for XXXX BANK, and it was accepted by IRS on XX/XX/year> ( see attached redacted Form XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: MN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of The accounts that are included in my attachments and are seen on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation