vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Upon reviewing my Consumer Reports, I discovered a few instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported at 100 % accuracy. I have never missed a payment on the following account : [ XXXX XXXX, [ XXXX ]. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to produce such proof, I demand that these payments be immediately updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.

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 2025-02-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: GA

Complaint narrative:
So I was using cashapp just like any other day when all of a sudden on XX/XX/2023 my cashapp account got closed for no reason and I had to recover my account. So when I had logged back in i noticed cashapp has closed my account due to terms of violations. So I had tried to appeal my account closure however cashapp didnt respond back to my appeal after they will review the case in 30 days. So I managed to closed down my old cashapp account under my username and create me a new cashapp account and my new account got closed linked to my old account of terms of violations. However cashapp has closed my account without proper justification, failed to investigate my appeal fairly, or if their actions violate consumer protection laws. I have exhausted all of Cash App 's internal dispute resolution processes. And they still refuse to listen to my appeal and overlooked my proof such as screenshots that was linked to my first cashapp account that got closed to have my second cashapp account reinstated. Ive appealed the closure and provided proof, and Cash App has not addressed my concerns. So when I tried to appeal my account closure with cashapp, they asked me three questions. What the reason I opened my account, whats my account activity And whats the best email to reach me at. And I answered those questions honestly and the cashapp appeal team still didnt budge and believe me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CREDIT ACCEPTANCE CORPORATION
State: KY

Complaint narrative:
I want all accounts deleted my information has been exposed in a data breach

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 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XXXX b this is not me due to a date breach please do not send to a third party and take off of my credit immediately please. 

according to USC 16 92G I will need a detailed list of the payment history I want to see the original signature that I agreed to on the contract has there been any insurance claims on this debt? I would like to see the chain of title you have to collect on this debt. 

All in all my information was leaked and a bunch of things have been opened in my name. Now according to the law I will need theses taken of my credit 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 explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
XXXX b this is not me due to a date breach please do not send to a third party and take off of my credit immediately please. 

according to USC 16 92G I will need a detailed list of the payment history I want to see the original signature that I agreed to on the contract has there been any insurance claims on this debt? I would like to see the chain of title you have to collect on this debt. 

All in all my information was leaked and a bunch of things have been opened in my name. Now according to the law I will need theses taken of my credit immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: UT

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint against Transunion for unlawfully re-reporting a previously deleted XXXX account on my credit report without following the proper reinsertion procedures outlined in the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). 

According to the FCRA, if a previously deleted account is reinserted, the credit bureau must : Ensure the information meets reinsertion requirements ( XXXX has not provided proof that these steps were followed ). 
Notify me in writing within five business days of reinsertion ( I was not notified ). 
Provide me with the name, address, and contact number of the furnisher of the information ( XXXX failed to provide this ). 
Since XXXX has violated this law, I request immediate action to : Remove the XXXX account from my credit report due to its improper reinsertion. 
Hold XXXX accountable for violating the reinsertion provisions of the FCRA and ensure they comply with reinsertion requirements moving forward. 
I request a prompt investigation and written confirmation once this issue is resolved. 

Thank you for your time and attention to this matter. I look forward to your response. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-02-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I am a victim of a Data Breach and Identity Theft. Please block and delete the following accounts within 4 business days under the Fair Credit Reporting Act Section 605B, 15 USC 1681c-2. Please block and delete the following accounts : 1. XXXX XXXX Open Date : XX/XX/XXXX 2. XXXX XXXX Open Date : XX/XX/XXXX 3. XXXX XXXX XXXX Open Date : XX/XX/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 non-monetary relief
Consumer complaint received 2025-02-08 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: TN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXX BALANCED {$2300.00} This account has resulted in several appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent account. I do not recognize the aforementioned account, as reported. The aforementioned account, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account is the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NM

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 2025-02-08 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: DE

Complaint narrative:
I am a victim of a Data Breach and Identity Theft. Please block and delete the following accounts within 4 business days under the Fair Credit Reporting Act Section 605B, 15 USC 1681c-2. Please block and delete the following accounts : 1. XXXX XXXX XXXX Account Number : XXXX 2. XXXX XXXX XXXX Account Number : XXXX 3. XXXX XXXX XXXX Account Number : XXXX 4. XXXX XXXX Inquiry Date : XX/XX/year> 2023

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 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I recently review my credit report and noticed an account that was not reported accurately I have multiple accounts that is showing late payments it was paid on time. The consumer reporting agency have need to report with complete accuracy. this account has not been late on payments I will summit a copy of my report where is showing late payments for the year of XXXX is showing 3 total late payments and for year XXXX is showing 4 lates payment. I'm now requesting you to investigate and provide me with proof and records that I was late if it can not be verified, I demand for payments to be updated to paid immediately thank you for your understanding and prompt action.

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 2025-02-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Spring Oaks Capital, LLC
State: NY

Complaint narrative:
I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and request an immediate investigation. Please remove the fraudulent information immediately from my file. 
Accounts : XXXX XXXX XXXX, # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
I am writing to request a copy of IRS Form 1099-C for the canceled debt on my account. Below are the details : Account Name : Apple Card/GS Bank Account Number : XXXX Original Creditor : Goldman Sachs Bank XXXX XXXX : XX/XX/year> Charge-Off Amount : {$8100.00} Please provide a copy of IRS Form 1099-C if this debt qualifies. If no 1099-C was issued, kindly send a written explanation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There is a fraudulent XXXX action my credit file that does not belong to me XXXX XXXX XXXX {$530.00}

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 2025-02-08 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: TN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXX BALANCED {$2300.00} This account has resulted in several appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent account. I do not recognize the aforementioned account, as reported. The aforementioned account, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account is 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 explanation
Consumer complaint received 2025-02-08 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: UT

Complaint narrative:
To Whom It May Concern, I am formally disputing the XXXX XXXX account on my credit report, as it contains multiple violations of the Fair Credit Reporting Act ( FCRA ) and incorrect reporting that is negatively affecting my credit profile. 

Violations of the FCRA : FCRA 1681s-2 ( a ) : Duty of Furnishers to Provide Accurate Information The account is being reported with inaccuracies, including date account opened and balance amount also payment history not showing correct info. 
The furnisher is legally obligated to report only accurate and complete information. 
FCRA 1681i ( a ) : Duty to Reinvestigate Disputed Information If Experian has previously verified this incorrect information, I demand proof of proper verification, including a detailed explanation of your investigation process. 
FCRA 1681e ( b ) : Failure to Maintain Reasonable Procedures Experian is required to have reasonable procedures to ensure accuracy. However, this continued misreporting suggests negligence and failure to comply with federal law. 
FCRA 1681n and 1681o : Civil Liability for Willful and Negligent Noncompliance If this matter is not corrected immediately, I will consider legal action for damages caused by this reckless disregard of my consumer rights. 
Immediate Actions Required : Delete or correct the XXXX XXXX account within 30 days as required by law. 
Provide me with written confirmation of this correction. 
If you fail to act, I am prepared to file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney General, as well as pursue legal action for statutory damages. 
This letter serves as my final notice before escalating this matter legally. I expect an immediate and appropriate response. 

Sincerely 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 2025-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: VA

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: VIRGINIA HOUSING DEVELOPMENT AUTHORITY
State: VA

Complaint narrative:
My information was leaked during a data breach and I want all negative information removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
Balance and amounts need to be verified. Just want the late payments removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 2025-02-09 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: EdFinancial Services
State: OH

Complaint narrative:
My personal and financial information was compromised without my authorization.

The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach was a clear violation of privacy and your responsibility to safeguard my information. 

Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Dear credit bureau I am contacting you because I have found some information that is inaccurate on my credit report. 
The date you have this item reported as a charge-off doesn't match my records.I request that you verify the information and remove any inaccurate information from my credit report as quickly as possible. The items in question are : Capital one and XXXX and XXXX After doing so please provide me with an updated credit report reflecting the changes. 
Thank you for your time,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: RI

Complaint narrative:
Please ensure the unauthorized accounts are blocked and removed from my credit report promptly. I did not initiate these accounts and do not recognize them. Under USC 1681g, I formally request their removal within 15 days. Supporting documents are included for your consideration.

Company response to consumer: Closed with explanation