vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-24 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: MD

Complaint narrative:
These inquiries are not relevant to me, and I did not give authorization for them. I request their immediate removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: CO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-02-24 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: MO

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> Consumer Financial Protection Bureau Consumer Financial Protection Bureau, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 




Subject : Complaint Against Experian for Inaccurate Reporting and Lack of Response Dear CFPB, I am writing to formally lodge a complaint against Experian regarding serious issues I have encountered with their credit reporting practices. I believe these issues warrant your attention and potential legal action against Experian for violations of the Fair Credit Reporting Act ( FCRA ). 

I submitted a credit dispute to Experian concerning inaccuracies in my credit report, specifically related to my rental account, which I consistently pay on time. Unfortunately, I never received a response to my dispute. Experian not only failed to report accurate information but also closed my account inaccurately, which has negatively impacted my credit standing. 

Your agency has previously taken action against major credit bureaus for similar violations, including failure to respond to consumer disputes within the required 30-day period. Experian 's handling of my dispute appears to reflect a pattern of neglect in ensuring accurate reporting, utilizing faulty intake procedures, and inadequately communicating with the original furnisher of the information. 

Additionally, I have experienced distressing outcomes due to the inaccurate information on my consumer report, which has hindered my ability to obtain credit and secure housing. Despite providing documentation confirming my current rental status, Experian continues to display misleading information, including the erroneous closure of my account. 

I urge the CFPB Office of Iowa to take action against Experian for these practices, as they not only violate consumer rights but also create significant challenges for individuals trying to manage their financial standing responsibly. 

Thank you for your attention to this matter. I look forward to hearing from you regarding the next steps. 

Sincerely, CFPB IT HAS BEEN PAST 30 DAYS

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 2025-02-24 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: GA

Complaint narrative:
I urgently request the removal of this erroneous late payment from my account. My consistent history of punctual payments contradicts this entry, causing me undue stress and concern. I ask that you promptly rectify this mistake by updating my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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: CBC Companies, Inc.
State: MA

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: FL

Complaint narrative:
Hi, I have been exposed to identity theft and there is no way XXXX XXXX XXXX should have my information! Please remove this fraudulent account off my consumer report immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CO

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 a address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proces 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 2025-02-24 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: VA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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: MI

Complaint narrative:
I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.

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 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
I received email notification from XXXX XXXX about hard inquires. I did not apply for any credit on XX/XX/XXXX nor XX/XX/XXXX. I verified that my credit had a freeze on it. I noticed my credit score was affected by the hard inquires. XXXX said they did not see any hard inquires, I was unable to speak to an agent at XXXX, and XXXX informed me my next steps. I was informed to XXXX make a cover letter requesting the hard inquires are removed from my account. XXXX, to send a copy of my photo ID. Last, and most importantly to submit this identity theft report via the federal trade commission. Im going to mail all these documents to XXXX XXXX XXXX XXXXXXXX, PA XXXX. 
I was also informed the phone number associated with the hard inquires is ( XXXX ) XXXX. That is not my cell phone number and I have no idea who the number belongs to. My cell number is ( XXXX ) XXXX. 
My name is XXXX XXXX. My address is XXXX XXXX XXXX, XXXX, XXXX MD XXXX and my email address is 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 2025-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TN

Complaint narrative:
On XX/XX/year> my co worker who had a sick family member posted items for sale. She was hacked in her account and I had been messaging her about the items. Cash app declined the payments I tried to send her but my phone has been hacked and my debit card was entered in cash app not by me. It was run for XXXX. I reported scam to Cash app now XXXX times. Cash app will not answer phone and only sends a notification they did not find scam. I reported to my bank immediately and now the bank refuses to reimburse me because of the email I received from cash app that after investigation they do not see a scam. I got a new debit card from the bank and tried to stop the transaction but I am still unable to get my money returned. I still have never talked to a person at Cash App. They only have an advocate to reply with messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

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 2025-02-24 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: IL

Complaint narrative:
Please remove and block the unauthorized accounts from my credit report as soon as possible. I did not open or approve these accounts and have no knowledge of their origins. In accordance with USC 1681g, I am formally requesting their removal within 15 days. Enclosed are the necessary documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am reaching out to formally dispute the inaccurate inclusion of a bankruptcy on my credit report. I have obtained an official letter from the court that clearly states this bankruptcy should not be reported to your agency. Despite this, it still appears on my credit file, which is both misleading and unjust. The presence of this erroneous record is causing unnecessary harm to my credit standing and must be corrected immediately.

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 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am reaching out to formally dispute the inaccurate inclusion of a bankruptcy on my credit report. I have obtained an official letter from the court that clearly states this bankruptcy should not be reported to your agency. Despite this, it still appears on my credit file, which is both misleading and unjust. The presence of this erroneous record is causing unnecessary harm to my credit standing and must be corrected immediately. 

Moreover, I have reason to believe that an unauthorized third party is involved in this matter, further complicating the situation. The involvement of an unknown entity raises serious concerns about the accuracy and security of my personal financial information. It is unacceptable that such an error has been allowed to persist, and I urge you to take immediate action to rectify it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

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 2025-02-24 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: CA

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I closed a credit card that was in my name in XXXX and have not had this card or statements since that time. I received a divorce in XX/XX/XXXX, after moving in XXXX of XXXX to a different state. My ex filed bankruptcy in her state in XXXX. After being bankrupt, the card that had been closed started to appear on my credit report and I disputed having a debt of {$25000.00} on this card through the credit report group XXXX. I also found the credit card company 's name and phone number on XXXX. I contacted them to stop the charges and the card and remove this debt from my name since I have no affiliation with the card, the state where the charges were being made or connection to the person who is using the card. This credit card company shows they closed the account and my credit score showed no deebt for about XXXX  months. This month the debt came back on my credit report for this closed acoount and it is now at {$26000.00}. I do not know what I can do to remove this debt from my name so that the person responsible for the debt ( my EX ) will have this debt only in their name and 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 explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XX/XX/year>, I struggled to keep a positive balance. Since I work on a commission basis, I did my best to try to keep the account positive, but the overdraft fees kept coming, putting me more negatively. 

There were 26 total overdraft fees charged, and a few days later, it went over 3 in 1 day, which they paid back around 7 based on the account history. This totals around 19 overdraft fees paid in XXXX, for a total of {$680.00}. 

I attempted to get some of them waived or recovered since I have been in a tight financial spot. The bank declined and said their window is 24 months, and if they already helped me with a few fees, they can't help me with any more. 

they did let me know about changing the account after I kept asking what could be done to the XXXX rep since I had SunTrust, but the bank is now Truist. It would be to change it to a checking Truist XXXX account to prevent this from happening again which we did switch it over. 

But the damage is done, and so much money was lost. It seems very abusive and borderline thievery that they can do that, especially with some transactions being way below {$36.00} dollars, which is what they charge for every overdraft fee. 

I spoke to a regular rep from Truist and then got transferred to a supervisor who could not do anything to help refund the fees. I let her know I would have to file a complaint, and she said we were following the CFPB rules for overdraft fees. 

my hope with this complaint is that it can help others that were with Suntrust account holders and now changed to Truist can be helped from not getting robbed blindly and hoping to get some of my money back as it feels I have been robbed and like the bank did not even care about there clients but just wanted to XXXX XXXX XXXX for everything you have.

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 2025-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I called Wells Fargo to verify main account was closing and it was still open on recorded line rep said account in process of closing automatically this morning I have a charge with XXXX in account and against their own rules and regulations put through a charge on a account that is supposed to be closing and not accept further charges and not charge if no money is there breaking two of their own rules this is the second complaint for the exact same activity in three days see attached screenshots

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