vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: TX

Complaint narrative:
I have been dealing with Cash app with an injustice, I have been a good customer for over five years, three years ago unexpectedly closed my account. They wouldn't tell me why just I had to read the rules and regulations and kinda guess and appeal for a second chance to open up my account. So I appealed and read the rules and regulations and found nothing it said in their to prove why my account was permanently closed. When I ask questions and proof they can not help, customer service doesn't help they have been re reviewing my account for over three years now when in the disclaimer once you Appeal the first time it only takes 3-5 business days. I've asked to speak to someone higher up they can't help I called the number they said my account should be open in 24 hours a year later nothing. I'm lost money, money has gone missing where they can't explain how, I've had my account targeted by scammers who stole over {$500.00} dollars from me cash app did nothing nor even seemed to put in a complaint. I feel victimized by them in a way like ignoring customers rightts .they either need to fire some employees or start training them better. They honestly can't even show me proof I violated anything to just suddenly close my account. Couldn't even listen to my side of how they seem to have target my account accusing me of wrong doing when in reality their doing people wrong poor customer service and neglect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXXXXXX BALANCED {$0.00} These accounts has resulted in several appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent accounts. I do not recognize the aforementioned accounts, as reported. The aforementioned accounts, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: N.A.R., Inc.
State: OH

Complaint narrative:
Ive called and requested proof of debt. This is not my debt. I owe nothing to the cove apartments. I paid off my rent with them and finished my lease. The company will not send me proof. They never sent written notice. Never sent me notice that i could dispute. Ive disputed this many times on my credit report. This is ruining my credit and this is not my debt nor will they provide any type of proof or itemized statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: PA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-04-10 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: FL

Complaint narrative:
Im disputing a collection amount that Im not aware of and do not recognize. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681i, you are required to investigate and verify the accuracy of any information on my credit report. If this account can not be verified as mine, it must be removed from my credit profile. Failure to do so is a violation of federal law. I never opened a XXXXXXXX XXXX account. Please review.

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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
**Experian **Subject : ** Urgent Inquiry Regarding Missing Credit Accounts and Error Code XXXX Dear investigation team I am writing to formally request a correction to my credit report, as I have noticed discrepancies that are negatively impacting my credit assessment. Specifically, I have received a XXXX error**, indicating that I do not have enough credit, despite having multiple active credit accounts. 

I previously paid off a car loan with XXXX in XXXX, which should be reflected on my credit report. Additionally, I currently have a XXXX XXXX XXXX ( last four digits : XXXX ) ** that is missing from my report. Given that I have purchased **two cars from XXXX* and have established credit through various accounts, I find it highly concerning that these are not properly listed. 

Furthermore, I was informed that I do not have a credit score, yet I am being encouraged to pay for **credit monitoring services**which seems counterintuitive when critical financial data is missing from my file. I am requesting an immediate investigation into this matter and a correction to reflect my full credit history. 

Please provide clarification on why these accounts have not been added, as well as the necessary steps to **rectify my credit report** as soon as possible. If any documentation is needed, I am happy to provide it upon request. 

I appreciate your prompt attention to this issue and look forward to your response. Please confirm receipt of this letter and provide an update on the resolution timeline. You may contact me at ** [ your phone number ] or [ your email ] **. 

Thank you for your time and assistance. 

**Sincerely, ** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas 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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
**Experian **Subject : ** Urgent Inquiry Regarding Missing Credit Accounts and Error Code XXXX Dear investigation team I am writing to formally request a correction to my credit report, as I have noticed discrepancies that are negatively impacting my credit assessment. Specifically, I have received a XXXX error**, indicating that I do not have enough credit, despite having multiple active credit accounts. 

I previously paid off a car loan with XXXX in XXXX, which should be reflected on my credit report. Additionally, I currently have a XXXX XXXX XXXX ( last four digits : XXXX ) ** that is missing from my report. Given that I have purchased **two cars from XXXX* and have established credit through various accounts, I find it highly concerning that these are not properly listed. 

Furthermore, I was informed that I do not have a credit score, yet I am being encouraged to pay for **credit monitoring services**which seems counterintuitive when critical financial data is missing from my file. I am requesting an immediate investigation into this matter and a correction to reflect my full credit history. 

Please provide clarification on why these accounts have not been added, as well as the necessary steps to **rectify my credit report** as soon as possible. If any documentation is needed, I am happy to provide it upon request. 

I appreciate your prompt attention to this issue and look forward to your response. Please confirm receipt of this letter and provide an update on the resolution timeline. You may contact me at ** [ your phone number ] or [ your email ] **. 

Thank you for your time and assistance. 

**Sincerely, ** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas 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 2025-04-10 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
I have been going through Identity theft since the year XXXX Recently my personal information has been leaked in multiple data breaches including XXXX ( engagement number XXXX ), XXXX, XXXX, and XXXX XXXX. I received my consumer report and saw an inaccurate account being reported. My FTC report, driver 's License, and dispute letter have been attached to this complaint to support my claim of identity theft. 
This dispute is a formal notice pursuant to 15 U.S.C. 1692c ( c ) that I refuse to pay the alleged debt associated with Account # XXXX AMSHER COLLECTIONS SERVICES ( Original Creditor : XXXX XXXX XXXX ), and I demand that you cease all communication with me through any medium, including verbal, electronic, and most importantly, reporting to any consumer reporting agencies ( XXXX, XXXX XXXX XXXX XXXX .The only acceptable communication from your office shall be via U.S. mail , solely to confirm the permanent deletion of this account from all consumer reports.Additionally, I demand the method of verification used in your prior investigation. I am concerned with the validity and accuracy of your findings.

Please provide answers to the following : 1. What did your representatives uncover that validated your reporting? 
2. What certified documents were used to reach this conclusion?

3. Provide a complete copy of all information transmitted to the data furnisher.

4. What was the cost of obtaining these documents?

5. Show proof of timely procurement of certified records.

6. Did you speak with a live representative of the furnisher? a. Who? b. When? c. How long? d. What was their role? e. What number was called? f. Which employee on your team made the call?

7. Provide the date of first delinquency.

8. Provide the exact date this account is scheduled to stop reporting.If you can not provide full and verifiable documentation within 15 days, I demand the immediate and permanent removal of this account.

I did not grant permissible purpose for you to furnish this inaccurate information. Failure to comply leaves my no choice but to pursue further legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: I.C. System, Inc.
State: FL

Complaint narrative:
Im disputing a collection amount that Im not aware of and do not recognize. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681i, you are required to investigate and verify the accuracy of any information on my credit report. If this account can not be verified as mine, it must be removed from my credit profile. Failure to do so is a violation of federal law. I never opened a XXXX XXXX account. Please review.

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 2025-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I repeatedly get calls from multiple numbers ( XXXX different numbers ) with the caller ID of Portfoliorecov . I have no outstanding debts for which a collection company would contact me about. I have checked all 3 credit reporting agencies and do not see anything on them. There was another company that called me and left a message for a man named XXXX. That man seems to be using my phone number for various things, including job applications and buying a car ; all in California. I am a woman on the XXXX XXXX. I called that collection company back and they removed me from their call list. But Portfoliorecov never leaves a message. The calls could be from scammers spoofing their number so I never answer. I saw someone else who stated in their complaint that they did answer the call be no one said anything, which is very suspicious and seems like a scam to verify life numbers. But, in case this is no spoofing, I am lodging a complaint, for them to stop calling me because I have no debts for them to collect on.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
In XXXX I attended XXXX XXXX located in XXXX CA, Once I XXXX  i began making payments to my loan. I have been paying my loan for about 19 years, come to find out the school I attended no longer exists and my degree is no longer valid not accreditted.I called Navient on XX/XX/XXXX and a representative stated that they can not reimbursed my money because the loan it was a Federal collective loan and that it does not fall into their contract for reinbursement. Im upset because i spend Almost XXXX XXXX dollar on the loan to a school that is not valid and they kept my money. What can i do in this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I kindly request that you update and validate the items I previously mentioned, as they are still incorrectly reported on my account. I have already provided all the necessary details for this Matter.

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 2025-04-10 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.

Complaint narrative:
XXXX ] Issue : This account is reporting a late payment, but it contains inaccurate information and is not consistent across all three credit reporting agencies. This violates my rights under the Fair Credit Reporting Act, specifically : 15 U.S.C. 1681e ( b ) : You are required to follow reasonable procedures to ensure maximum possible accuracy of the information in my credit report.

15 U.S.C. 1681i ( a ) ( 5 ) : If the results of your reinvestigation find that the information is inaccurate or can not be verified, it must be deleted from the file. 
Due to these clear inconsistencies and errors, I am requesting that you either : Correct and update this account so it is 100 % accurate and verifiable across all three credit bureaus, or Remove this account entirely from my credit report, as required by federal law if accuracy can not be confirmed. 
Please provide me with the results of your reinvestigation in writing within the 30-day period as mandated by the FCRA. I have also included relevant documents supporting my dispute. 
Thank you for your prompt attention to this matter.

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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I believe the company did not accurately investigate my disputes.

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 2025-04-10 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: GA

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

Company response to consumer: Closed with explanation