vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-31 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: OH

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: TX

Complaint narrative:
I was buying a dog from a person using cash app and he ended up not giving me any services and I tried calling cash app and i Had the emails and text messages that services were not provided i tried calling and no response and or help i submited a ticket with the XXXX to help stop that individual but no resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: IN

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Upstart Holdings, Inc.
State: DE

Complaint narrative:
Upstart XXXX XXXX called me multiple days in a row harassing me to collect a payment. My account has never missed a payment, never been late, and I had already scheduled a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Upon checking my credit report, I have no verification of the following hard inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-31 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: MD

Complaint narrative:
Upon checking my credit report, I have no verification of the following hard inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-01-31 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: CA

Complaint narrative:
There are XXXX hard credit inquiries on my Transunion credit report that were not made by me. They are fraudulent and need to be removed immediately. The inquiries are from " XXXX XXXX XXXXXXXX '' on XX/XX/year> and XX/XX/year>. I have already filed complaints with both Transunion and XXXX XXXX XXXXXXXX. XXXX XXXX XXXXXXXX has acknowledged that there are inquiries reporting on my file that are fraudulent and will be removed, however in both the letters I received from XXXX XXXX XXXX, they did not acknowledge the correct inquiries that were mentioned in the previous dispute. The letters mention " The inquiry dated XX/XX/year> '' however there are no inquiries from XXXX XXXX XXXXXXXX reporting on my file from XX/XX/year>. The fraudulent inquiries were made on XX/XX/year> and XX/XX/year>. These are the inquiries that are being disputed and they both need to be removed immediately. I have never applied for any credit cards with XXXX XXXX  XXXX, nor have I ever given them consent in any way to do a hard pull of my credit. It has been several months of this fraudulent report being furnished and I have contacted both the Bank and the credit reporting agency. This fraudulent activity is causing severe harm to my personal life and both XXXX XXXX XXXXXXXX and Transunion need to be held accountable for their actions.

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 2025-01-31 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:
I sent disputed letters thru dispute XXXX XXXX XXXX.they come back verified  nothing is happening.

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 2025-01-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
I received a letter from Bank of America that if I did not use one of my credit cards by a certain date, they were going to close my account. so I called Bank of America on XX/XX/XXXX spoke to XXXX individuals XXXX by the name of despiny The other XXXX XXXX first told me she could take care of me then she reversed course and said I would have to speak to the debit department, so I spoke to the debit department told him I had no debit card if I did, it was destroyed when I received it they told me I had a checking account. I told him I never received any checks from Bank of America and I didnt care to have a checking account. then at the end of the conversation they told me that I had XXXX XXXX to XXXX XXXXXXXX to close my account. I identified myself to the XXXX people above. They had no trouble with my identification Social security number. Date of birth? Account number of the XXXX card I have on person. now they tell me Ive got XXXX XXXX to XXXX XXXXXXXX. I gave them my Social Security number.. I gave them XXXX of the account numbers of the credit card that I have. I think I told him my mothers maiden name I gave him my current telephone number not Once ( repeat ) they never ask me my address where my bills are sent And I XXXX have given it I dont recall. I didnt open this account at the bank with these credit cards so I dont see no reason why I should have XXXX XXXX XXXX miles to close my account I have earnings on these cards. I dont know how much but if not done in the proper amount of time, I lose the earnings automatically. I dont feel like I should have XXXX XXXX to the bank to close my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-31 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: IN

Complaint narrative:
On XXXX, I sent a certified letter to Experian to investigate these accounts that were not reporting accurately : XXXX. XXXX XXXX XXXX Secured Loan with account # XXXX XXXX. XXXX XXXX Secured Loan with account # XXXX XXXX. XXXX XXXX Credit Card with account # XXXX XXXX XXXX XXXX XXXX XXXX Credit Card with account # XXXX XXXX. XXXX XXXX XXXX with account # XXXX XXXX. XXXX XXXXXXXX XXXX with account # XXXX XXXXXXXX XXXX XXXX XXXX with account # XXXX My results did not correct the investigation. On XXXX I sent another certified letter asking Experian to reinvestigate. I have not received the results that I requested. Under 15 U.S.C Section 1681i, I have the right to reinvestigation of dispute information. Experian has violated my right by failing to conduct a reasonable investigation and notify me within 5 business days after investigation is completed. Under 15 U.S.C Section 1681e ( b ), I have the right to accuracy of my reports. Experian has violate my right by not ensured that the information on my credit report is up to date and accurate.

Under 15 U.S.C Section 1681n and section 1681o, I have the right to sue for actual damages, statutory damages ( up to {$1000.00} per violation ), punitive damages and attorney 's fees due to Experian willfully failing to comply with the FRCA.

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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: TX

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MD

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 XXXX ok financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: SC

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-31 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: SC

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: CA

Complaint narrative:
Subject : Urgent Dispute Regarding Lack of Access to My Equifax Credit Report & Fraudulent Accounts Dear Equifax, I am writing to formally dispute my continued lack of access to my Equifax credit report for over a year. Despite multiple conversations with representatives from Equifaxs Consumer Affairs Department, who assured me that I would regain access, I am still unable to obtain my credit file. This ongoing issue is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681g, which mandates that consumers be provided access to their credit reports upon request. 
Furthermore, my personal information was compromised in the Equifax data breach and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX leading to fraudulent accounts appearing on my credit report. I previously sent a certified letter formally requesting a copy of my credit report and disputing fraudulent accounts, yet I have still not received access. 

In my previous certified letter, I provided : Government-issued ID, Social Security card , utility bill, and bank statement to verify my identity. 

Identity Theft Police Report regarding the fraudulent XXXX XXXX XXXX XXXX XXXXXXXX collection account. 

Identity Theft Police Report regarding four fraudulent credit card accounts : XXXX XXXX XXXXXXXX  ( two accounts ) XXXX XXXXXXXX XXXX XXXX XXXX Each of these accounts resulted from identity theft due to the Equifax data breach and XXXX data breach. After contacting these creditors, they confirmed that my personal information was used fraudulently without my knowledge or permission. 
Under the FCRA, I am demanding the following actions : Immediate access to my Equifax credit report, as required by FCRA 1681g.

Unfreezing of my credit file so I can monitor my credit online.

Permanent deletion of fraudulent accounts, per FCRA 1681c-2, which mandates removal of identity theft-related accounts. 

Written confirmation of the removal of these fraudulent accounts.

Equifax is also required under FCRA 1681i to conduct a proper investigation and delete any unverifiable or inaccurate information. Continuing to report fraudulent or unverified accounts is a violation of FCRA 1681e ( b ), which requires credit reporting agencies to ensure maximum possible accuracy in consumer files. 

If Equifax fails to comply with these requests in a timely manner ( 30 days as required by law ), I will be forced to escalate this matter legally. Please consider this letter a formal dispute. I expect immediate action and a written response confirming the resolution of this issue. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: PA

Complaint narrative:
Here is the list of fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: IN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-31 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: IN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
I currently have an Cash App account under XXXX XXXX  however, I had several others over the years. I believe this was in XXXX or XXXX and several people had taken money out of the cash app account. When I inquired about it CashApp representative said an statement that explained they were not at fault and wiuld not help. I then closed that account at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am submitting this formal dispute regarding an inaccurate XXXX late payment being reported on my credit report by XXXX XXXX  ( Account # XXXX ). Upon reviewing my consumer reports, I identified this error despite consistently making on-time payments on this account. As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681e to ensure that only accurate and verifiable information is reported. 

Disputed Information : Creditor : XXXX XXXX Account Number : XXXX Disputed Item : XXXX late payment Reason for Dispute : I have never missed a payment on this account, and this information is inaccurate Request for Investigation : Pursuant to 15 U.S.C. 1681i ( a ) ( XXXX ) ( A ), I request a formal reinvestigation into this matter. Under the law, XXXX XXXX and consumer reporting agencies are required to verify the accuracy of any disputed information or promptly correct/remove it if verification is not possible. 

I hereby request : Verification of the alleged late payment : Please provide supporting documentation, such as my billing statements and payment records, to substantiate this claim. Immediate correction : If XXXX XXXX can not provide verifiable proof that I was late, I demand that this false late payment be removed and my account status updated accordingly.Notification of correction : Upon resolution, please provide written confirmation that my credit report has been updated. 
Additionally, I request that the CFPB oversee this dispute and ensure compliance with FCRA standards. Reporting inaccurate information harms my creditworthiness, and I expect this matter to be rectified in a timely manner, as required by law to reflect " Current ''. 

I have attached supporting documents ( such as proof of on-time payments ) to aid in your investigation. If you need further information, please contact me at your earliest convenience.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
The company closed my account that was in good standing now its showing on my credit report as a closed account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-31 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 have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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