vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
Subject : Complaint Against XXXX Failure to Correct Inaccurate Credit Report Information Dear CFPB Representative, I am submitting this complaint regarding XXXX and its failure to properly investigate and remove inaccurate accounts from my credit report. Despite multiple disputes, XXXX has continued to report erroneous information, negatively affecting my credit profile. 

Summary of the Issue : On XXXX XXXX XXXX  I submitted disputes to XXXX regarding several accounts that are either fraudulent, incorrectly reported, or should no longer be on my credit report. These disputed accounts include : XXXX XXXX XXXX  : This account does not belong to me, and I have never opened or authorized any account with XXXX XXXX XXXX XXXX This account does not belong to me, and I have never opened or authorized any account with XXXX XXXX XXXX 
I received a response from XXXX on XX/XX/XXXX, stating that the information had been " verified as accurate '' without providing any supporting documentation. In response, I submitted another dispute on XX/XX/XXXX, providing additional evidence to prove that the accounts were inaccurate. 

Despite this, XXXX failed to correct the errors, and on XX/XX/XXXX, I followed up again, demanding a reinvestigation and requesting detailed documentation regarding the verification process. XXXX has either ignored my requests, upheld the inaccurate reporting, or provided insufficient justification for their decisions. 

Actions Taken : XX/XX/XXXX : Submitted initial dispute via [ online portal, mail, or phone ], providing supporting documentation. 
XX/XX/XXXX : Received XXXX  response stating that the information was " verified as accurate '' without sufficient proof. 
XX/XX/XXXX : Submitted a second dispute with additional supporting documents. 
XX/XX/XXXX : Followed up after no resolution, requesting a detailed reinvestigation. 

These are just the most recent dates but this has been going on for months now. 
Request for Resolution : XXXX  handling of my disputes violates my rights under the Fair Credit Reporting Act ( FCRA ), which mandates a reasonable investigation into disputed items. I request the CFPBs assistance in ensuring XXXX : Conducts a thorough reinvestigation of the disputed accounts and provides supporting evidence for any claims of accuracy. 
Removes or corrects the inaccurate information on my credit report. 
Provides a formal response outlining the steps taken to address this matter. 
This ongoing issue has negatively impacted my XXXX XXXX, potentially affecting my ability to obtain credit, housing, and financial opportunities. I appreciate the CFPBs assistance in holding XXXX accountable for its responsibilities under federal law. 

Please let me know if any additional information is needed to support my case. Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

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 2025-02-06 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: NV

Complaint narrative:
Im writing to formally dispute an account on my credit report that I believe was opened through unauthorized and fraudulent use of my identity. This account does not belong to me, and I did not give consent for it to be opened or used in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I reached out to XXXX XXXX  in XX/XX/year> due to them being reported as collection company on behalf of XXXX XXXXXXXX. I asked them to validate my debt according to XXXX XXXX  I requested a detailed list of payment history with XXXX XXXXXXXX. I requested the signed original contract with creditor XXXX XXXXXXXX, I asked for proof of any insurance claims filed on this debt and I requested proof that they had chain of title command to collect on this debt. They were not able to provide and validate debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: SOFI TECHNOLOGIES, INC.
State: MA

Complaint narrative:
Sofi is charging a {$100.00} ACAT fee to transfer the account. The value of the account is {$200.00} and they are unwilling to waive the fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: NC

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 




UNAUTHORIZED INQUIRIES PLEASE DELETE : XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX Equifax XXXX XXXXXXXX XX/XX/XXXX Equifax XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXXXXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX Equifax

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 2025-02-06 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: NC

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 




UNAUTHORIZED INQUIRIES PLEASE DELETE : XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX Equifax XXXX XXXXXXXX XX/XX/XXXX Equifax XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXXXXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX Equifax

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 2025-02-06 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: United Collection Bureau, Inc.
State: FL

Complaint narrative:
They contacted me and left a vague message about a debt. Didn't say a name or anything. Just said it was about a debt. Have no idea how who they are or what it's for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-02-06 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to formally dispute a collection account that has been reported on my credit report by I C SYSTEM INC. Upon reviewing my credit report, I noticed this collection account, which is dated back to XX/XX/XXXX through XX/XX/XXXX. I do not recognize this debt, and I have no knowledge of owing any amount to the creditor associated with this account. 

I contacted I C SYSTEM INC to inquire about this debt, but they were unable to provide sufficient documentation or evidence to validate that this debt belongs to me. Furthermore, I never received any prior notice or communication regarding this debt before it began reporting on my credit report in XX/XX/XXXX. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I believe my rights have been violated. Specifically : 1. **Lack of Validation** : I was not provided with proper validation of the debt as required by the FDCPA.

2. **No Prior Notice** : I was not informed of this debt before it appeared on my credit report, which is a violation of my right to be notified and given the opportunity to dispute the debt before it is reported.

3. **Inaccurate Reporting** : The account is inaccurately reported, as I do not owe this debt, and it should not be listed on my credit report. 

Given these violations, I respectfully request that this collection account be investigated and removed from my credit report. I also request that I C SYSTEM INC provide proof of the debts validity, including a detailed account history and documentation showing that I owe this debt. 

Please let me know if any additional information is needed to process my dispute. I look forward to your prompt resolution of this matter. 

Thank you for your assistance.

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 2025-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am unaware of the below accounts and inquiries and I did not give any person or company my written or verbal consent to have, use, and or obtain my nonpublic personal information to apply for credit. The FCRA state in 15 USC 1681c-2 any item the consumer ( me ) declares as fraud SHALL be blocked from reporting within 4 business days of receipt of notice

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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:
I am writing to dispute inaccuracies in my credit report and formally request corrections to ensure its accuracy. Upon review, I found multiple discrepancies regarding my address history. These address are not associated with me and must be removed. 

The incorrect information to be removed includes : XXXX XXXX XXXX XXXX XXXX CA XXXX & XXXX XXXX XXXX XXXX XXXX CA XXXX Please update my credit report with the following correct information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have included copies of : My government-issued ID confirming my name and date of birth A recent utility bill verifying my current address My Social Security card to confirm my SSN This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request the following actions : Conduct an investigation to identify and remove inaccurate information. 
Update my credit report with the correct details provided. 
Send me written confirmation once the corrections are made, along with an updated credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: MI

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: AZ

Complaint narrative:
Inappropriate, wrongful and abuse of power by leaving Inappropriate negative items that the law has it being reported in my personal credit reports to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: TX

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SOFI TECHNOLOGIES, INC.
State: PA

Complaint narrative:
XX/XX/year> - Can not log into my bank account neither online nor through the mobile app. There seems to be a system wide outage. A number is provided, but they are not available during these hours. There is no explanation for not being able to access my bank account neither for myself nor for others that are affected system wide. I have not tried using my card yet, but other 's are saying that their cards are frozen as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I applied to an XXXX  XXXX credit card with BoA, because it shows on XXXX  checkout website : " Apply now and get a response in as little as XXXX seconds. If instantly approved and activated with an account numberyou can book your next flight immediately and start earning miles today. '' However, after activation, I didn't receive any card information, including the temporary account expiration date or security code for activation. I called the XXXX from BoA, but he just said he has nothing to tell us until we receive a physical card after a couple of weeks. There is even no way to change the mailing to overnight shipping. 
My husband and I both think it is a misleading advertisement. 

We also lose the cheap price for the flight while dealing with this problem for over XXXX minutes.

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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridge IT, Inc.
State: NH

Complaint narrative:
Dear BRIGIT/XXXX ; I was shocked when I reviewed my credit report and found late payment on XXXX and XX/XX/year>. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation