vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-25 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: MI

Complaint narrative:
Upon reviewing my credit report, I have discovered that certain information is inaccurate. The following item ( s ) require rectification : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove this from my report. In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and remove them from my report. I understand that you are required to verify these items with the corresponding creditor. Should the creditor fail to provide verification, please eliminate the disputed information. Pursuant to 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days from the date of this letter. Please send an updated copy of my credit report to the aforementioned address. As per the act, there should be no charge for this updated report. Additionally, I kindly request that you notify any party who has received my credit report within the past six months of any corrections made. Thank you for your attention and assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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:
Upon reviewing my credit report, I have discovered that certain information is inaccurate. The following item ( s ) require rectification : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove this from my report. In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and remove them from my report. I understand that you are required to verify these items with the corresponding creditor. Should the creditor fail to provide verification, please eliminate the disputed information. Pursuant to 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days from the date of this letter. Please send an updated copy of my credit report to the aforementioned address. As per the act, there should be no charge for this updated report. Additionally, I kindly request that you notify any party who has received my credit report within the past six months of any corrections made. Thank you for your attention and assistance in resolving 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 2025-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: CA

Complaint narrative:
Description of the Issue : XX/XX/year>, I processed my first transaction using Square, a payment processor, under my business, XXXX XXXX XXXX XXXX. The transaction totaled {$1900.00}, which included a customer-authorized tip of {$250.00}. Shortly after the transaction was completed, Square deactivated my account on the XXXX and informed me that the funds would be held for 90 days due to unusual activity. Square also deducted a {$68.00} processing fee from the transaction before withholding my funds. 

Reason for Complaint : Squares reasoning for holding my funds is baseless and unreasonable. A tip of {$250.00} is not unusual for a customer in XXXX XXXX, a city where generous tipping is common due to the high cost of living and industry norms. Furthermore, Square allowed the transaction to proceed and collected their processing fee before flagging the account, which raises concerns about their internal practices. 

As a small business owner, these funds are essential for my operations. Squares actions have caused significant financial strain and disrupted my ability to run my business effectively. At no point during onboarding or in Squares terms of service was I informed that legitimate transactions could result in account deactivation and prolonged withholding of earnings. 

I did not agree to become an accommodation party for Square, and their retention of my funds appears to serve their own financial interests, potentially as an asset on their books or for investment purposes.

Harm Caused : Financial Hardship : Withholding nearly {$2000.00} in funds has negatively impacted my business operations and cash flow.

Lack of Transparency : Square failed to provide clear and consistent communication regarding the deactivation and withholding process. 
Unfair Practices : Squares decision to approve the transaction, deduct their fee, and hold my funds without prior review demonstrates a lack of due diligence on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: MI

Complaint narrative:
Upon reviewing my credit report, I have discovered that certain information is inaccurate. The following item ( XXXX ) require rectification : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX remove this from my report. In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and remove them from my report. I understand that you are required to verify these items with the corresponding creditor. Should the creditor fail to provide verification, please eliminate the disputed information. Pursuant to 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days from the date of this letter. Please send an updated copy of my credit report to the aforementioned address. As per the act, there should be no charge for this updated report. Additionally, I kindly request that you notify any party who has received my credit report within the past XXXX months of any corrections made. Thank you for your attention and assistance in resolving 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 2025-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in several date breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off of my credit report in 4 days! 

These fraudulent accounts are not only damaging my credit but also causing me significant stress and XXXX. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.

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 2025-01-25 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:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in several date breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off of my credit report in 4 days! 

These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in several date breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off of my credit report in 4 days! 

These fraudulent accounts are not only damaging my credit but also causing me significant stress and XXXX. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.

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 2025-01-25 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:
XXXX HAD BLOCKED ALL THE CREDITORS IN MY REPORT, AND REMOVED THE INQUIRIES. HOWEVER, I LEFT SOMETHING OFF CALLED BACK AND GOT A NEW FRAUD REPRESENTATIVE, SHE REINSERTED ALL THE INFORMATION BACK IN THE REPORT, HER NAME WAS XXXX, WITH NO REASONING, AFTER XXXX HAD ALL THE INFORMATION CORRECTED AND DELETED. I SUED XXXX A FEW YEARS AGO, AND WON THE CASE, SO I ALWAYS HAVE WHAT SEEMS LIKE RETALIATION WHEN I TRY TO GET ANYTHING CORRECTED. THEY DONT EVEN TRULY VERIFY THE INFORMATION, THEY JUST COME BACK VERIFIED. I SEND THEM ALL THE FTC REPORTS, AND CFPB REPORTS, AND THEY HAVE STATED THEY WERE NOT VALID, SO I ACTUALLY FILED A POLICE REPORT, ALONG WITH THE REPORTS. I HAVE XXXX BANKRUPTCIES, WHICH IS NOT EVEN POSSIBLE IN THE TIME FRAME THEY STATED, YOU CANT EVEN DO THAT, AND THEY SAID THEY VERIFIED THROUGH XXXX WHICH IS INCORRECT, BECAUSE XXXX HAS NOTHING NEGATIVE ABOUT ME NOR ANY BANKRUPTCIES. 

XXXX, SENT IN A LIST OF THINGS THEY HAD DELETED TO THE CFPB ON MY RECORD, HOWEVER, THOSE ITEMS ARE STILL THERE. THEY STATED THEY RECEIVED A REPORT FROM XXXX THAT THEY HAD DELETED THE ITEMS, THEY GOT A REPORT FROM XXXX AND REINSERTED THE ITEMS. THATS NOT THE WAY THAT IS SUPPOSED TO BE DONE, BUT YOU CORRECTED ALL THE FRAUDULENT INQUIRIES OFF. 

TRANSUNION, HAS XXXX NEGATIVE ITEMS, WHICH ARE NOT MINE, AS WELL AS A BANKRUPTCY, THAT THEY CANT VERIFY THATS NOT MINE, BASED ON XXXX NO BANKRUPTCY INFORMATION EXISTS ON THEIR RECORDS. 
THEY ARE NOT USING MY CREDIT REPORT CORRECTLY

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 2025-01-25 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
XXXX HAD BLOCKED ALL THE CREDITORS IN MY REPORT, AND REMOVED THE INQUIRIES. HOWEVER, I LEFT SOMETHING OFF CALLED BACK AND GOT A NEW FRAUD REPRESENTATIVE, SHE REINSERTED ALL THE INFORMATION BACK IN THE REPORT, HER NAME WAS XXXX, WITH NO REASONING, AFTER XXXX HAD ALL THE INFORMATION CORRECTED AND DELETED. I SUED XXXX A FEW YEARS AGO, AND WON THE CASE, SO I ALWAYS HAVE WHAT SEEMS LIKE RETALIATION WHEN I TRY TO GET ANYTHING CORRECTED. THEY DONT EVEN TRULY VERIFY THE INFORMATION, THEY JUST COME BACK VERIFIED. I SEND THEM ALL THE FTC REPORTS, AND CFPB REPORTS, AND THEY HAVE STATED THEY WERE NOT VALID, SO I ACTUALLY FILED A POLICE REPORT, ALONG WITH THE REPORTS. I HAVE XXXX BANKRUPTCIES, WHICH IS NOT EVEN POSSIBLE IN THE TIME FRAME THEY STATED, YOU CANT EVEN DO THAT, AND THEY SAID THEY VERIFIED THROUGH XXXX WHICH IS INCORRECT, BECAUSE XXXX HAS NOTHING NEGATIVE ABOUT ME NOR ANY BANKRUPTCIES. 

XXXX, SENT IN A LIST OF THINGS THEY HAD DELETED TO THE CFPB ON MY RECORD, HOWEVER, THOSE ITEMS ARE STILL THERE. THEY STATED THEY RECEIVED A REPORT FROM XXXX THAT THEY HAD DELETED THE ITEMS, THEY GOT A REPORT FROM XXXX AND REINSERTED THE ITEMS. THATS NOT THE WAY THAT IS SUPPOSED TO BE DONE, BUT YOU CORRECTED ALL THE FRAUDULENT INQUIRIES OFF. 

XXXX, HAS XXXX NEGATIVE ITEMS, WHICH ARE NOT MINE, AS WELL AS A BANKRUPTCY, THAT THEY CANT VERIFY THATS NOT MINE, BASED ON XXXX NO BANKRUPTCY INFORMATION EXISTS ON THEIR RECORDS. 
THEY ARE NOT USING MY CREDIT REPORT CORRECTLY

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 2025-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: S&S Physician Services, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX This company is reporting XXXX frauds- reporting on my credit file. 
My credit reports were compromised with data breach- I disputed these with credit bureau XXXX I was notified by XXXX that this debt was verified. Please see attached letter. 
The debt collector is stating that I owe on accts : XXXX & XXXX in the amounts of {$1900.00} & {$1200.00}. 

. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Request for Removal of Unauthorized Hard Inquiry Due to Data Breach Dear Sir or Madam, I am writing to formally request the removal of an unauthorized hard inquiry on my credit report, which I believe was made in error or as a result of a recent data breach that compromised my personal information. I am also requesting that this matter be reviewed under the guidelines of the Fair Credit Reporting Act ( FCRA ) and other applicable regulations. 

Details of Inquiry : Creditor/Company Name : JPMCB CARD Date of Inquiry : XX/XX/year> Type of Inquiry : Hard Inquiry I was recently notified of a data breach involving the credit bureaus that exposed my personal information. Given the timing of this breach and the unauthorized nature of the inquiry, I have reason to believe that this inquiry was made without my consent, and may have resulted from fraudulent or mishandled information. 

As the inquiry appears to have been made without my authorization or knowledge, I am requesting that the hard inquiry be immediately removed from my credit report. Additionally, I ask that any further actions related to this unauthorized inquiry be halted until this matter is fully resolved. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or unauthorized information on my credit report. Given the circumstances surrounding the data breach and the lack of authorization for the inquiry, I request that you investigate and take the appropriate steps to correct my credit report. 

Please confirm receipt of this letter and inform me of any necessary next steps. If you need further details or supporting documentation, feel free to reach out. 

Thank you for your prompt attention to this matter. I trust that this issue will be resolved in a timely and thorough manner. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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: TX

Complaint narrative:
I have accounts on my credit report that have not gone off of my credit that is closed or paid in full and I have disputed them but I get no answer. They also told me when I talked to them the accounts will be removed within 30 days and never did.

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 2025-01-25 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: AZ

Complaint narrative:
I have reported several items on my experian account that is incorrect. They refuse to remove the information.

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 2025-01-25 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
Im writing about the following data that appears on my credit report. Im challenging the validity of my record showing a debt that is recorded in their system under the FCRA, Fair Credit Reporting Act, Section 15 U.S.C. 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Im writing about the following data that appears on my credit report. Im challenging the validity of my record showing a debt that is recorded in their system under the FCRA, Fair Credit Reporting Act, Section 15 U.S.C. 1681

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 2025-01-25 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: TN

Complaint narrative:
I am writing to file a formal complaint against Equifax for their failure to adequately investigate my credit disputes as required by the Fair Credit Reporting Act ( FCRA ) .Despite my follow-ups, Equifax has not adequately addressed these issues. This failure has had a significant negative impact on my credit score and financial opportunities.I appreciate the CFPB 's assistance in resolving this matter and ensuring that Equifax adheres to the legal obligations under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: NV

Complaint narrative:
This complaint is serious and is not sent in error. The inaccurate information in my credit report has caused me frustration and inconvenience as it has impacted my ability to secure credit approvals.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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: AZ

Complaint narrative:
EQUIFAX has failed to fulfill its illegal obligation under the Fir Credit reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved.

The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against EQUIFAX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. 

These failures align with my experience, where EQUIFAX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts ( ACCOUNT IN QUESTION XXXX XXXX XXXX # XXXX ), as EQUIFAX inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation