vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-30 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina XXXX Subject : Formal Dispute of Inaccurate Credit Reporting To Whom It May Concern, ( equalfax, experian, transunion ) I am writing to dispute my entire credit report. I believe that all information contained within the report may be inaccurate or incomplete. This is a formal dispute of inaccurate credit reporting under the Fair Credit Reporting Act ( FCRA ) and consumer law.

Under the FCRA, specifically under 15 U.S.C. 1681i, I am requesting a thorough investigation of all the information reported on my credit file. I am requesting that any inaccurate, incomplete, or unverifiable information be removed or corrected within the legal time frame.

Furthermore, I believe that my information was obtained illegally, particularly in connection with the Equifax data breach. This breach has compromised my personal information, and I request that any information obtained as a result of this breach be removed from my credit report immediately.

Please confirm receipt of this dispute and provide an update on the status of your investigation as soon as possible. If I do not receive a response within the required time frame, I will consider pursuing further legal action. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-03-30 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina XXXX Subject : Formal Dispute of Inaccurate Credit Reporting To Whom It May Concern, ( equalfax, experian, transunion ) I am writing to dispute my entire credit report. I believe that all information contained within the report may be inaccurate or incomplete. This is a formal dispute of inaccurate credit reporting under the Fair Credit Reporting Act ( FCRA ) and consumer law.

Under the FCRA, specifically under 15 U.S.C. 1681i, I am requesting a thorough investigation of all the information reported on my credit file. I am requesting that any inaccurate, incomplete, or unverifiable information be removed or corrected within the legal time frame.

Furthermore, I believe that my information was obtained illegally, particularly in connection with the Equifax data breach. This breach has compromised my personal information, and I request that any information obtained as a result of this breach be removed from my credit report immediately.

Please confirm receipt of this dispute and provide an update on the status of your investigation as soon as possible. If I do not receive a response within the required time frame, I will consider pursuing further legal action. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
" Spring Oaks Capital is reporting a collection account ( # XXXX ) originally from XXXXXXXX XXXX  XXXX in the amount of {$2800.00} on my credit report. I have previously sent a debt validation letter to Spring Oaks on [ date of your letter ], requesting verification of their ownership of this debt and their legal authority to collect. As of today, they have failed to provide proper validation including : Documentation proving they are the rightful owner of this debt A proper chain of title showing their legal right to collect Proof of purchase of this specific debt Despite failing to validate the debt as required by the FDCPA, they continue to report this unverified debt on my credit reports. According to the FDCPA, without providing proper validation, they must cease collection activities including credit reporting. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: TX

Complaint narrative:
In XX/XX/XXXX, I requested a payoff letter on two of my three loans because I was purchasing a home and the lender was paying the loans off as part of our closing package. The letter was provided to my lender and we closed on the home. My home lender mailed XXXX checks on XX/XX/XXXX to pay off two of my three loans. On XX/XX/XXXX the XXXX checks were cashed and cleared by the MOHELA department of education. The XXXX checks were from XXXX XXXX, XXXX. Check numbers XXXX and XXXX for the amounts of {$1600.00} and {$2600.00}. On XX/XX/XXXX, I called MOHELA to inquire into the loans still being opened and the checks not being applied to the accounts. I was informed that the checks were found in the system and would be posted to my account soon. I called again on XX/XX/XXXX to ask why they still havent been applied to my loans and was told they would be posted in XXXX business days. I have been calling during the week of XX/XX/XXXX but the call gets disconnected while they are picking up the phone each time. In addition to calling, o have sent XXXX complains to their online system with no information being returned or followed up on. I also filed a complaint through the online system for the Department of Education on XX/XX/XXXX, but have not heard back from them either. On XX/XX/XXXX, I received a notification from XXXX and XXXX that my XXXX XXXX XXXX had dropped to XXXX because of my XXXX overdue MOHELA loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Netspend Corporation
State: TX

Complaint narrative:
Well I purchased a Flare Card at an XXXX store locater where they do loans.I was wanting to deposit funds on a credit or debit card so I can use later online. 
The representative at the XXXX XXXX XXXX place told me I could purchase a Flare Card and just deposit funds on there so I can use later on.So.i did. 
I deposited {$50.00} dollars and the representative gave me my Flare Card.As I got home I tried using it online and couldn't.So I contacted the number on the back of card XXXX XXXXThey told me there was a restriction and they needed for me to send my ID and proof of address to there support team online.So they can verify me so I did.Then I call to check the status the next day and they tell me that my forms were not approved and I no longer can have access to my funds.Then they tell me to resubmit my forms again.And they will check but it's going to take 30 days now.Thats ridiculous I just want to use my funds if not then a refund atleast.But they don't want to help me and now I'm stuck out

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 2025-03-30 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: OH

Complaint narrative:
On Thursday, XX/XX/year>, I submitted a complaint regarding unfair practices at credit reporting agencies ( including XXXX, Experian, and XXXX ). That complaint requested addressing the conflict within credit reporting agencies of reporting late payments for apartment rent but proactively failing to report timely payments for apartment rent. As examples, I submitted facts that credit reporting agencies report bothH late as well as timely payments made for credit cards and bank loans and that this fact conflicts with credit reporting agencies ' practice of failing to report timely payments made for apartment rent. 

Today, Sunday, XX/XX/year>, I received an email from Experian that my " FICO ( XXXX XXXX XXXX ) score has decreased. '' The purpose of my current complaint is to identify that a retaliation may have been made against me by Experian and/or the three, combined, private credit reporting agency oligarchs and/or Fair XXXX XXXX ( XXXX XXXX XXXX of the XXXX credit scoring system XXXX for bringing to light real or potential U.S. consumer discrimination by the three credit reporting agencies and/or the XXXX XXXXXXXX XXXX. 

The repercussion of this act has significant and harmful consequences against me, because of the fact that, starting from last week, I am currently in the midst of applying for a mortgage for purchasing a home ( for the first time ), whereby mortgage lenders rely heavily upon an applicant 's credit score.

The economic, financial, and societal consequences of allowing unfair credit reporting practices to continue going unchecked will lead to the continuation of broken family structures, reduced levels of civic and community engagement, lower-quality XXXX education, greater XXXX and economic segregation, and broader income inequality. 

It's becoming more evident that the power wielded by the XXXX XXXX XXXX XXXX has already extended well beyond that originally intended for them. XXXX  consumers rely upon your organization ( and any other like it ) to help speak for the increasingly censored and voiceless and to help defend consumers against unfair credit reporting practices that are used against them as simply an accepted matter of doing business by the creditor class. 

Regards, 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 2025-03-30 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX {$4300.00} - NAMES NOT RECOGNIZED XXXX XXXX ADDRESSES NOT RECOGNIZED XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX CA XXXX INQUIRIES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian, XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion 15 U.S.C, 1681section 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 an 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 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 2025-03-30 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX {$4300.00} - NAMES NOT RECOGNIZED XXXX XXXX ADDRESSES NOT RECOGNIZED XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX CA XXXX INQUIRIES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian, XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 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: MI

Complaint narrative:
Will you please verify that all information is 100 % accurate and that you can verify it. I did not receive any verification from my last complaint. A bill is not verification. Otherwise please remove any and all of 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 explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: CO

Complaint narrative:
I had a Cashapp account for several years. I use this to send payments to my son. He is XXXX and I am the trustee for his XXXX payments. He does not have a bank account. I sent him payments to his cashapp. This is the ONLY activity I do. I do not use cashapp for purchases. I do not use cashapp for XXXX. Nothing. Then my account was suddenly closed. I have no idea if I had a balance such as bitcoin. I couldn't access my account at all. When I contacted and appealed through their customer service, I was told in an email that my account was closed because I had gambled online. I appealed. I then received an email stating that they would allow reinstatement of my account. I tried several times but still couldn't get in ( this was in XXXX ). I then was handling a family member 's illness and death and couldn't retry until XXXX. I still can't get into the old account. I even tried to open a new cashapp account, using my social security number. I got rejected on the new account as well stating I had violated terms of service with Cashapp. I appealed and filed a complaint to XXXX XXXX XXXX Cashapp refused to open my account. I requested what exact violations I did. They refuse to elaborate. Just claimed I violated their Terms of Service. They avoid addressing why they said they would reinstatement my account .. and then never did so. I am need to process my son 's XXXX payments. I am obviously trusted by the XXXX Government to handle his Social Security. All I am asking for is reinstatement of my account, per their review in XXXX where they had stated I XXXX have gambled online but agreed to reopen my account. I would be happy to take a lie detector test. I am over the age of XXXX. I have NO criminal background. I have NEVER gambled online. This was the only response that Cashapp had to XXXX.. but again failed to note what I did or provide any documentation ( invoices, records, etc ) : " No further information to provide/action to take. The complainant has been provided the accurate and complete resolution regarding their account closure. 
The complainant was advised that we conducted a review of their account. Based on that review, we have found activity that violates our Terms of Service XXXX XXXX XXXX XXXX XXXX. As a result, their Cash App account will remain deactivated and they will no longer be able to use their account or its features. 
The complainant has received the full and correct resolution regarding their complaint. 
For security purposes, we can not disclose account specific information. However, communication regarding the investigation was communicated to the complainant via email on XX/XX/XXXX. '' XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX Original Creditor XXXX XXXXXXXX {$2000.00} - XXXX Original Creditor XXXX XXXX XXXXXXXX {$310.00} - INQUIRIES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion 15 U.S.C , 1681section 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 an 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 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 non-monetary relief
Consumer complaint received 2025-03-30 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: AZ

Complaint narrative:
Name : XXXX XXXX Social : XXXX DOB : XXXX This CFPB Complaint has been filed to request pursuant to FCRA & XXXX ( XXXX. & XXXX ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of the following ; XXXXPersonal credit card account opened at XXXX XXXXXXXX XXXX in XX/XX/XXXX. 
XXXX. Personal credit card account opened at XXXX in XX/XX/XXXX. 
XXXX. Personal credit card account opened at XXXX XXXXXXXX XXXX BANK XXXX XX/XX/XXXX. 
XXXX. Personal credit card account opened at XXXX XXXX XXXX XXXX in XX/XX/XXXX. 

These accounts have resulted in several fraudulent credit card accounts and fraudulent hard inquiries appearing on my consumer FICO credit report. I have attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the fraudulent items. I do not recognize the accounts or hard inquiries as reported. The accounts and hard inquiries appearing on my consumer credit report maintained by you, were not open, made, or initiated by me. 

The aforementioned accounts and hard inquiries are the result of identity theft and fraud. I have attached a copy of my FTC Identity Theft Criminal Complaint XXXX XXXXXXXX as proof from the XXXX Federal Trade Commission that all of the listed consumer credit accounts and hard inquiries are the result of identity theft and fraud.

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 2025-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
" Portfolio Recovery Associates is reporting a collection account ( XXXX XXXXXXXX ) originally from XXXX Bank in the amount of {$2100.00} on my credit report. I have previously sent a debt validation letter to Portfolio Recovery on [ date of your letter ], requesting verification of their ownership of this debt and their legal authority to collect. As of today, they have failed to provide proper validation including : Documentation proving they are the rightful owner of this debt A proper chain of title showing their legal right to collect Proof of purchase of this specific debt Despite failing to validate the debt as required by the XXXX, they continue to report this unverified debt on my credit reports. According to the XXXX without providing proper validation, they must cease collection activities including credit reporting. ''

Company response to consumer: Closed with explanation