vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-21 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: IL

Complaint narrative:
I am filing this statement to document a violation of my rights under the Fair Credit Reporting Act ( FCRA ) by TransUnion Experian And Equifax. Under the FCRA, my personal credit information should not be bought, sold, or shared without my express consent for permissible purposes. However, I have discovered that TransUnion Experian And Equifax has engaged in unauthorized transactions involving my personal data.

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 2025-04-21 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: IL

Complaint narrative:
I am filing this statement to document a violation of my rights under the Fair Credit Reporting Act ( FCRA ) by TransUnion Experian And Equifax. Under the FCRA, my personal credit information should not be bought, sold, or shared without my express consent for permissible purposes. However, I have discovered that TransUnion Experian And Equifax has engaged in unauthorized transactions involving my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: GA

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 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: CBC Companies, Inc.
State: FL

Complaint narrative:
I am filing a complaint against Innovis for failing to properly investigate my disputes regarding inaccuracies in my credit report. 

Despite my submissions, Innovis consistently responds within swiftly stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( CRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Innovis ' actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding XXXX XXXX XXXX  XXXX ) against them for similar violations. I request that the CFPB take action to ensure Innovis complies with federal law and provides consumers with the necessary proof of investigation. If not, I asked that these inaccuarate accounts be deleted : XXXX XXXX XXXX Account ending in : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

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. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian I sent a dispute letter online through their portal to remove XXXX  Criminal Record that was dismissed to be removed and they havent .. Sent Mov letter.Disputed many times and Nothing has been done .I have called Experian fraud center.I have a FTC report that I sent them.I have been denied jobs and Employment and housing due to inaccurate reports.Everything they are being sued for now and they are not doing anything different

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 2025-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IA

Complaint narrative:
I am filing a complaint against cash app due to inadequate customer service and unfair practices, which does violates the consumer financial protection act, specially cash app did not take any measures to prevent fraud or hackers on their platform, leaving my account vulnerable and out in the open for anybody to get ahold of, they have broken many laws, these actions have caused financial loss and inconvenience. I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: LA

Complaint narrative:
Theres an account showing up on my credit report that doesnt belong to me. It looks like my information is being mixed up with someone elses, which is really concerning. I have no connection to this account, and it shouldnt be linked to my credit at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
On XX/XX/year> I was involved in a brutal car accident that left me with a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The ambulance took me to the hospital and my car was taken to a body shop/salvage yard, where the owner of the establishment claimed he didn't know a car 's trunk could be opened without a key. I was in the middle of moving and had personal items in a black trunk inside my car 's trunk. When I opened my trunk I noticed big items were missing, but I didn't realize everything that I was missing at the time. Months before this accident occurred I enrolled in a program that was offered by XXXXXXXX XXXX that stated if you were to become ill, severely injured etc. they would wipe away your debt. My physical therapist and myself filled out the proper paperwork and I turned it in. My debt was erased. About a week or XXXX later I was locked out of both my personal email accounts and wasn't able to log into either one no matter what I did. Those XXXX email accounts have years and years of sensitive personal information that I can never get back. My XXXX XXXX account was hacked as well so I couldn't see if any new accounts were being opened under my name. Unfortunately I didn't take action because I didn't know what actions to take. I didn't have any guidence or money to afford to get help, so here I am XXXX years later stressing with some debt that I didn't know about until I was able to finally get back into my XXXX XXXX account and see that I was being sued, because my email accounts were no longer accessible all emails if any were sent I wasn't aware of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: NY

Complaint narrative:
Subject : Request for Removal of Inquiries ( Identity Theft ) Dear Credit Bureau, I am writing regarding several hard inquiries on my credit report. These inquiries were made as a result of identity theft and were not authorized by me. 
I am requesting that the listed inquiries be removed, as they are a direct result of fraudulent activity and not a mistake on my part. 
To support my claim of identity theft, I am providing the following documents : A copy of my identification ( ID ) My Social Security Number ( SSN ) Proof of my current address FTC Report of identity theft Below is the list of inquiries that need to be removed from my credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/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 XXXX XXXX XXXXXXXX XX/XX/XXXX These inquiries were made without my knowledge or consent, and I kindly request that they be removed in accordance with the applicable laws. 
Please review my request and remove the inquiries from my report as soon as possible. Thank you for your attention to this matter. I look forward to your prompt resolution.

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 2025-04-21 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Starting on or about XXXX/2025, my credit suddenly dropped XXXX points overnight from XXXX to XXXX, whereas, TransUnion or Equifax only documented Missed payment from current to 30 days, from a credit card in XXXX with a balance of {$10.00}, whereas, customer service personnel could not even see any recent changes. 

The last time, I experienced such abrupt change of XXXX points over night, was when I withdrew/transferred about {$84000.00} out of the former XXXX XXXX, to XXXX. 

I believe it is major monetary loss/transfer that somehow, it is NOT documented or shared by the Credit Agencies . 

Please investigate and disclose what the actual reasons behind such sudden drop of credit scare?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
b'Solicited by written offer of a bonus of XXXX by Wells Fargo both online and by direct mail, on XXXX XXXX, I meet with XXXX XXXX XXXX Bank Representative( Wells Fargo Bank, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX who-after being fully familiarized with my Social Security direct deposit " on the 4th Wednesday of each monthXXXX XXXX directly orchestrated the opening of a checking account ( Account XXXX  on that date though acknowledging that there could well be a delay in transferring this direct deposit to Wells Fargo. My agreement acknowledged the sign up bonus and Wells Fargo via e-mail XXXX XXXX congratulated me "Congratulations..."\XXXX XXXX XXXX was constantly advised of the status of the direct deposit and on XXXX XXXX Wells Fargo acknowledged receipt of the direct deposit either by text to me or by my e-Mail, I e-mailed XXXX on XXXX XXXX he confirmed this by telephone to me, and continuously confirmed that the XXXX  would be credited to my account. The direct deposit amount was XXXX far exceeding the amount required to qualify for the XXXX bonus.\nSubsequently Wells Fargo wrongfully reneged upon the earned XXXX initially asserting that the direct deposit was not received until XXXX XXXX, and then as recently as XXXX XXXX asserting that the "minimum qualifying direct deposit requirement\' was not met. Each was erroneous and false.  It later stated that the direct deposit of XXXX XXXX was somehow outside the 90 days qualifying time period.\nPlease see attachments, specially with my XXXX  email( refused by Wells Fargo) ,the e-mails to XXXX XXXX XXXX and the attachments provided including  the monthly calendar for XXXX through XXXX XXXX. Even Wells Fargo\'s acknowledged the Banking industry, apparent well established practice and its own that one the "that you do not count the date the account was opened..."\n\nWells Fargo position is erroneous.'

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 2025-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
XXXX XX/XX/XXXX  at XXXXXXXX XXXX in XXXX XXXX ( XXXX ) we took a taxi and verbally agreed to pay {$15.00} for the closest hotel which is 10 minutes ' drive. They said they don't accept cash, so we provided a credit card. They didn't give us any receipts. After returning home I discovered that the charge was {$320.00}. I opened a dispute with the credit card company. Dispute was resolved in favor of the merchant based on the documentation they provided. The merchant stated that the card was present at the time of transaction, and that the charge was duly accepted and signed. I've never accepted and signed this overcharged amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-04-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
My current name is XXXX XXXX the owner of interest for XXXX XXXX ( deceased ). I am not allowed to pay online which creates a problem. I didn't receive a escrow shortage later until XX/XX/year>. I should've received it much sooner. The shorter was $ XXXX so I paid the teller with the coupon {$500.00} to meet the short deadline of XX/XX/year> to prevent mortgage increase. On XX/XX/year> my payment to the bank wasn't applied correctly. The same day I went into the bank again. The teller said they applied it to principle rather than the escrow. She sent a note to them to correct the problem and to wait XXXX days. Today I received a letter and a check in my deceased spouse ' name returning the payment which was ON time. 
Account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: UT

Complaint narrative:
I recently found a credit inquiry on my report that I dont recognize. I did not apply with this company or authorize any credit check. This unrecognized activity is troubling and raises serious concerns.

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 2025-04-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc.
State: NY

Complaint narrative:
I am disputing a debt that was wrongfully reported by CBE Group related to services from XXXX. I called to cancel my XXXX internet service XX/XX/year> and service was disconnected service at that time. Despite this, XXXX continued to charge me for services I did not use. 

I contacted XXXX to dispute the charges but was unable to get the issue resolved. Instead, they transferred the alleged debt to CBE Group without my permission and without validating the charges. CBE Group then reported the debt to the credit bureaus, causing significant damage to my credit score. 

I have requested that CBE Group validate the debt by providing a copy of the signed contract, a detailed billing history, and proof that they have the legal right to collect the debt. As of today, they have failed to provide the required documentation. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am requesting the removal of this account from my credit reports and an immediate cessation of all collection activity, as the debt is invalid. 

I respectfully request that the CFPB review this matter and assist in ensuring this inaccurate information is corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: IQOR US INC
State: OR

Complaint narrative:
This complaint is about a storage unit # XXXX. 

I vacated the unit on XX/XX/year> and documented that with XXXX XXXX and they agreed I vacated the unit but my boyfriend left the lock on the unit because he believed it was the company ( XXXX XXXX ) s lock.

Instead of just cutting the lock ( which they do all the time regardless of what they say i know this from prior experience ) or more importantly, CALLING ME and

rectifying the situation, they saw fit to charge me an additional {$67.00} dollars even though I had already vacated the unit and removed my credit card from their system.

So now I have a collections account with AlliedInterstate in the amount of {$67.00} and this is absolutely asinine and outrageous that a company like public storage can make fraudulent charges to someones name and then hand that off to collections and ruin said individuals credit. 

I never authorized the {$67.00} payment / debt to be created and I was and still am under no obligation to pay any portion of it because it is literally FRAUD. I am not the only customer of public storages that has said this happened to. Ive read a number of pretty compelling accounts on their XXXX reviews stating that they used similar tactics on their other customers. 

I am currently disputing the debt with the collections company but they are not helpful and are only trying to do whatever they can to get me to admit to the debt which will not happen because it is a fraudulent debt.hat

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 2025-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IN

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 2025-04-21 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: CA

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 non-monetary relief
Consumer complaint received 2025-04-21 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:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief