vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with cash advance — 
Company: MoneyLion Inc.
State: TX

Complaint narrative:
I applied for a personal loan online, which was approved for {$1500.00} that was to be deposited into my account, i gave all the info they requested for the transfer, they stated it could take up to 3 business days, in which the 3rd day being Monday, XX/XX/XXXX XXXX There wasn't any funds of that amount in my account, i reached out through their customer service and was told the funds had been sent and my obligations are in affect but i didn't receive any money, but now i owe for that loan+interest, i didn't get my personal issues situated and am in very serious anxious for this has primarily threatened my home/living status,, meaning I'm on the verge of being homeless with severe medical issues that will be very dangerous and life threatening.. I need that loan to keep a roof, for safety and for medical necessities..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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 understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

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. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to dispute the accuracy of specific information in my ( Company Name ) report, which I believe to be erroneous. Under the Fair Credit Reporting Act, I have the right to request that you investigate and correct any inaccurate or incomplete information. 

The details of the inaccurate  information in my report are as follows : ( Inaccuracy # 1 ) : XXXX  XXXX account # XXXX opened on XX/XX/XXXX and a balance of {$340.00} This is account is incorrectly reporting that I have XXXX late payments on Experian, XXXX reports XXXX late payments and XXXX reports XXXX late payments. 
( Inaccuracy # XXXX ) : XXXX  XXXX account # XXXX opened on XX/XX/XXXX and a balance of {$800.00} This is account is incorrectly reporting that I have 5 late payments on Experian, XXXX reports XXXX late payments and XXXX reports XXXX late payments. 

Please rectify or delete the aforementioned inaccuracies from my report without delay. The FCRA mandates that you investigate and respond to me within 30 days of receiving this letter. 
Upon making the necessary changes to my report, furnish me with written confirmation. Your immediate attention to this issue is mandatory. This letter is sent on my behalf, and I have included a copy of my identification for verification purposes.

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 2025-01-30 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:
Dear CFPB, I am filing a complaint against XXXX, Experian, and XXXX regarding inaccurate and unauthorized information on my credit report. Despite my attempts to resolve these issues directly with the credit bureaus, the errors remain and are negatively impacting my credit score. 

Details of Disputed Items : XXXX. Company Name : AXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Unauthorized inquiry, duplicate account, incorrect balance, wrong account status Requested Action : Remove the inquiry, correct balance, update account status to closed 2. Company Name : XXXX, Experian, and XXXX Issue : Account marked as open when it should be closed, incorrect late payment reporting Requested Action : Correct account status, remove inaccurate late payment Why This Needs to Be Corrected : These accounts are reporting inaccurately and do not reflect my true credit history. 
I have not authorized some of these inquiries, and they should be removed. 
The information is causing unnecessary harm to my credit score and financial well-being. 

Request for Investigation : Under the Fair Credit Reporting Act ( FCRA ), the credit bureaus are required to investigate and verify the accuracy of the disputed items within 30 days. If they can not verify the accuracy, they must remove or correct the disputed items. 

I request that the CFPB ensures the credit bureaus properly investigate and resolve these issues. Please provide me with a written response confirming the actions taken. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL 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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Incorrect dates. Proof of Correspondence via letter. None provided. Dates that they provided are different than what is in my credit reports.

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 2025-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: PA

Complaint narrative:
My XXXX Pennsylvania state tax refund of {$1900.00} was significantly delayed due to additional paperwork I had to submit and the states slower-than-normal processing. Once it was finally approved, I contacted my former tax preparer to update my banking information. They assured me that my new banking details were updated, but because they use a third-party service to deposit funds, the refund was still sent to my old PNC account on XXXX account that was closed in XX/XX/XXXX. 

On XX/XX/XXXX, after spending hours on hold and being transferred between multiple representatives, I finally learned that PNC applied my entire tax refund of {$1900.00} toward an outstanding debta debt I believed had already gone to collections. I was never notified of this balance, never received a letter, and had no opportunity to dispute or address it before they took my money. 

I immediately requested a refund and a formal dispute, but I was told no. When I attempted to escalate the issue, I was hung up on during the dispute process, and my call was never returned. 

I am currently in the process of filing for bankruptcy ( through XXXX ), which is why I had no intention of paying this debt. The process has not been finalized yet because I am still gathering documents. However, PNCs actions have caused financial hardship by taking funds that should have been returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: MO

Complaint narrative:
I need your help to investigate accounts from these companies that have reported late payments incorrectly. Upon reviewing my credit report, I found some accounts marked with late payments, which should not be the case. No late payment remarks should appear on these accounts.

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 2025-01-30 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: IL

Complaint narrative:
This 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 its also concerning because I never done or made any of these things accused of me. If you dont look in to these accounts, Ill 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 2025-01-30 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: IL

Complaint narrative:
I did authorize these companies to run my credit, these were fraudulent. 

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 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 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 2025-01-30 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: IL

Complaint narrative:
I did authorize these companies to run my credit, these were fraudulent. 

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 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 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
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 violates 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 2025-01-30 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:
XXXX CARD ( Bank ) : XX/XX/XXXX XXXX BANK ( Bank ) : XX/XX/XXXX TD AUTO FIN ( Finance ) : XX/XX/XXXX XXXX ( Finance ) : XX/XX/XXXX CLEAR LAKE D ( Auto ) : XX/XX/XXXX FIFTH THIRD ( Bank ) : XX/XX/XXXX XXXX C ( Auto ) : XX/XX/XXXX XXXX AUTO ( Bank ) : XX/XX/XXXX CAPITAL XXXX ( Bank ) : XX/XX/XXXX XXXX AUTO ( Bank ) : XX/XX/XXXX FIFTH THIRD ( Bank ) : XX/XX/XXXX CAPITAL XXXX ( Bank ) : XX/XX/XXXX ALLY FINANCIAL : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX CREDIT HUMAN FCU-IND : XX/XX/XXXX BIG STAR XXXX XXXX XXXX XX/XX/XXXX ALLY FINANCIAL : XX/XX/XXXX FIRST COMMUNITY CRED : XX/XX/XXXX CAPITAL XXXX BANK XXXX XXXX XX/XX/XXXX ALLY FINANCIAL : XX/XX/XXXX 2023

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: GA

Complaint narrative:
I need your help to investigate accounts from these companies that have reported late payments incorrectly. Upon reviewing my credit report, I found some accounts marked with late payments, which should not be the case. No late payment remarks should appear on these accounts.

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 2025-01-30 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX has yet to provide valid proof their accusations in regards to charges made on the account that were unpaid. I simply request that they provide a statement of the monthly of transaction. Logging each purchase made with the card on the account BEFORE LATE FEES AND CLOSING OF ACCOUNT ON XX/XX/year>. Its been countless times Ive filed complaints requesting this simple information and their willful negligence in providing the details, and marking them as duplicates clamoring theyve already gave me the information I requested. Ive made clear what Ive requested. Complaint after complaint and XXXX and Trans Union continues to allow them to not comply with my request. If you review what Im asking for vs what theyre providing, you will see the intentionalnegligence.This account it falsely reported with no evidence of legitimacy violating my rights as a consumer. I will be attaching their response to this complaint so it could be made clear what they provided vs what was requested is completely different. In their response they made accusations of charges made on the account that was unpaid when the account was closed in XX/XX/year>. They then go on in the letter outlining the monthly accumulation of fees without providing the charges made on the account from which the fees came from. This account should be eliminated completely because of the dishonest behavior or all parties involved XXXX XXXX XXXX and XXXX XXXX should no longer be allowed to report this account to any credit bureau without providing accurate transactions of purchases with company details, amounts, and locations.

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 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TN

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
XX/XX/year> until now i really dont know how much it was i have tried to call and talk to simeone from Cash App after 50 calls I got through to someone and i ask why my account was deleted he couldnt tell me and said it have to go to the right people and it will take 30 days it has been 120 days and still dont know the reason why they just closed my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address. 

Please remove these fraudulent accounts, and update or correct the inacurate informations on credit report. As you know they are in violation of the Fair Credit Reporting Act.

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 2025-01-30 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX ( XXXX ) XXXX XX/XX/year> Credit Bureau XXXX Department Subject : Formal Dispute of Inaccurate Credit Reporting under FCRA Dear Credit Bureau Representative, I am formally disputing the inaccurate reporting of the account " XXXX '' ( Account No. XXXX ) on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq., I demand an immediate investigation and removal of this erroneous account within five ( 5 ) days, or I will pursue legal damages under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance.

Inaccuracies and Violations : Closed Account Still Impacting Credit Score The account is marked as " Closed at credit grantors request, " despite never having any late payments. This could mislead lenders and impact my creditworthiness unfairly, violating 15 U.S.C. 1681e ( b ), which mandates accurate reporting. 
2. Unverified Account Closure Reason There is no documented proof that this account was closed at the credit grantors request rather than voluntarily closed by me. Inaccurate reporting of the closure reason may be misleading.

Hindrance to My Financial Opportunities Due to these inaccuracies, I have been denied multiple credit opportunities, employment, and financial products. Under 15 U.S.C. 1681i ( a ), I demand the immediate deletion of this erroneous account.

Resolution Demanded : Permanently remove this account from my credit report.

Provide written confirmation of removal within five ( 5 ) days.

Cease further reporting of this inaccurate information to avoid further legal liability.

1. 3. 


Failure to comply will result in legal action for damages under the FCRA, including statutory damages, attorney fees, and court costs. I expect a response within five ( 5 ) days from the receipt of this letter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: ID Analytics, Inc.
State: NC

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

Company response to consumer: Closed with explanation