vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: CA

Complaint narrative:
I am writing to address a serious issue with my credit report. It appears that an account belonging to someone else has been mixed with my credit information. This is not my account, and it is negatively affecting 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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
DATE XX/XX/year> COLLECTION COMPANY NAME XXXX XXXX PH NUMBER XXXX SPOKE TO TWO CISTMER SRVICE REPS THEY STATED THE COMPANY XXXX XXXX XXXX GAVE THEM MY INFORMATION I HAVE NEVER DONE ANY BUSSINESS WITH THIS COMPANY. I REACHED OUT TO XXXX XXXX XXXX THEY STATED SOME ONE USED MY NAME. I TOLD THEM TO REMOVE THIS OFF MY CREDIT REPORT THEY TOLD ME I HAD TO DIS PUTES THIS THIS CHARGE MY INFORMATION FRAUDLY USED. I FILE A POLICE REPORT AGINDT THEM.

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 status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

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 — 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 : 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 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 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 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

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: NY

Complaint narrative:
I REVIEWED MY CREDIT REPORTS AND NOTICED A XXXX XXXX  CREDIT CARD ON MY 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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ingenuity RM, LLC
State: ND

Complaint narrative:
I received a Payroll Garnishment for a medical bill from 13 years ago on my son whom at the time was in states custody in an interstate compact agreement between ND an XXXX to which at the time he was covered under Government Insurance ( XXXX ) between both states. Not to mention this debt has exceeded the statue of limitation of 6 years in North Dakota.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XX/XX/year> Writing a letter to remove incorrect address and employment.

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/year>, I processed a legitimate transaction for {$800.00} ( including taxes ) for services provided through my company, XXXX XXXX XXXX XXXX XXXX accepted and processed the payment, deducting the corresponding fee of {$28.00}, and I was expecting the remaining funds to be transferred to my account as usual. 

However, on XX/XX/year>, after completing a requested update in the Square app, I received a notification stating that my account was deactivated due to " unsupported activity, '' with no further details provided. As a result, Square placed a 90-day hold on the funds, effectively blocking access to my legitimate earnings.

I attempted to resolve the issue by contacting Square multiple times via phone and email, but I was not provided with a clear explanation or adequate solution. They instructed me to refund the money to my customer, which is not feasible, as the service has already been rendered. Additionally, this could result in extra charges for the refund, and I am also at risk of the customer not paying me again for the service provided

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: PA

Complaint narrative:
I am writing to formally dispute the termination of my Cash App account, which was unjustly closed on [ XX/XX/year> ], citing an alleged violation of your Terms of Service. However, after reviewing your policies and industry regulations, I believe that Cash App has not only wrongfully terminated my account but has also engaged in deceptive practices that violate consumer protection laws. 

XXXX. Wrongful Termination of My Account My account was terminated without clear, specific reasoning or an opportunity to appeal the decision. Your Terms of Service are vague and arbitrarily enforced, which is a violation of fair business practices and my consumer rights. As a financial platform handling user funds, your failure to provide due process and a transparent dispute resolution mechanism is both unethical and potentially unlawful. 

XXXX. Unauthorized Use of Consumer Data for Stock Market Trading Furthermore, I have reason to believe that Cash App has engaged in undisclosed stock market trading using consumer financial data and activity without obtaining proper consent from users, including myself. If this is the case, this constitutes a serious breach of consumer trust, data privacy laws, and financial regulations. 

If Cash App has leveraged users ' financial activity for internal or third-party stock market trading without explicit user consent, such actions may violate the Consumer Financial Protection Act ( CFPA ), Federal Trade Commission ( FTC ) guidelines, and other relevant financial statutes. 
As a financial services provider, you are required to disclose how user data is used, particularly if it involves market activities that could result in conflicts of interest. Failure to provide full transparency is deceptive and potentially fraudulent. 
Moreover " Cash App attempted to avoid many of its investigative obligations through tricking consumers with its Terms of Service. For example, many Cash App users link their bank account to the app. When a transaction occurs, the money is pulled from the users bank account and sent to the transaction recipient. In Cash Apps Terms of Service, consumers are led to believe that disputes are the responsibility of their linked bank. The Electronic Fund Transfer Act generally requires that peer-to-peer platforms, including Cash App, investigate disputes of unauthorized transactions, and a company can not simply use fine print to escape these legal requirements. When it did conduct investigations, Block used intentionally shoddy investigation practices to close reports of unauthorized transactions in the companys favor ''. CFPB has sued Block Inc/Cash App and in its recent publishing they have failed to change its terms and services as requested from the Bureau and still continues to this date to not follow through on protecting consumers rights under applicable laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: PA

Complaint narrative:
Jefferson capital LLC states that was open with them XX/XX/year> debt was open with them and I have no knowledge of being in any contractual agreement with them.

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: GA

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

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

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 


These are the accounts I list as inaccurate XXXX XXXX XXXX for {$860.00} XXXX XXXX XXXX XXXX {$750.00}

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 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 am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

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

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 


These are the accounts I list as inaccurate XXXX XXXX XXXX  for {$860.00} XXXX XXXX XXXX XXXX {$750.00}

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 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 — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I am rewriting to address multiple unresolved issues with the information on my credit report in EQUIFAX, despite prior disputes I filed regarding inaccuracies. I initially reached out to correct discrepancies, including errors in the dates of last payments, dates accounts were opened, payment history, and account status. After providing supporting documentation, I was assured that an exhaustive examination had been conducted. 
However, as of today, my credit report remains unchanged, and the errors persist. Moreover, I have noticed negative actions have been taken on my credit report despite these unresolved issues. 
My full name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX, XXXX XXXX. My date of birth is XX/XX/year>. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. Under 15 U.S.C. 1681e ( b ), EQUIFAX is required to maintain reasonable procedures to ensure the accuracy of the information provided, and my submitted evidence of inaccuracies shows a failure to do so. According to 15 U.S.C. 1681i, EQUIFAX is obligated to investigate disputes within 30 days, but I have not received any update or resolution. 
This delay constitutes a violation of my rights. Furthermore, under 15 U.S.C. 1681 ( a ) and 1681b, a consumer report can not be shared without my written consent unless exceptions apply. I request confirmation that my consent was obtained for any recent disclosures of my credit report. As part of my efforts to resolve this matter, I have filed a formal complaint with the Federal Trade Commission ( FTC ) under report number XXXX and expect EQUIFAX to cooperate with the FTC in addressing these concerns. To resolve this promptly, I request a reinvestigation of my credit report, specifically addressing the inaccuracies in payment dates, account opening dates, payment history, and account status. I further request that erroneous information be corrected or removed immediately. Please provide a detailed written response outlining the steps taken to resolve these issues and ensure compliance with the FCRA. If these issues are not resolved within 30 days, I will consider further legal action, including seeking damages for violations of the FCRA. I expect your prompt attention to this matter and resolution within the legally required 30-day timeframe.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX . These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$950.00} XXXX  Date Opened XX/XX/XXXX Balance {$2400.00} XXXX XXXX  Date Opened XX/XX/XXXX Balance {$1900.00} XXXX Date Opened XX/XX/XXXX Balance {$1600.00} XXXX XXXX  Date Opened XX/XX/XXXX Balance {$740.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX Balance {$5300.00}

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 2025-01-30 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to formally file a complaint against Equifax regarding its failure to properly investigate disputes on my credit report, which appears to be part of the systemic issues that led to the Consumer Financial Protection Bureaus ( CFPB ) recent lawsuit against this company. 

1. Failure to Conduct Proper Credit Report Investigations I submitted a dispute to Equifax on XX/XX/year> and the investigation was done on XX/XX/year> regarding removal of improper names on my report. On XX/XX/year>, XX/XX/year> & XX/XX/year> requested an proper investigation and within a few hours the reports were completed regarding [ specific error ( s ) on the credit report, e.g., incorrect accounts, fraudulent charges, outdated information, mixed credit files ]. Despite providing identity verification, Equifax failed to properly investigate my claim and instead issued a generic response without addressing the issue. 

This aligns with the CFPBs lawsuit, which alleges that Equifax has been improperly handling credit disputes by failing to : Conduct thorough investigations as required under the Fair Credit Reporting Act ( FCRA ). 
Provide consumers with accurate and meaningful dispute resolution instead of dismissing claims without review. 
Fix systemic errors in credit files that harm consumers ' financial standing. 
2. Violations of the Fair Credit Reporting Act ( FCRA ) Under 15 U.S.C. 1681i, Equifax is legally required to conduct a reasonable investigation of any dispute submitted by a consumer. However, my experiencealong with the findings in the CFPBs lawsuitdemonstrates that Equifax has been neglecting this duty, causing financial harm by allowing inaccurate information to remain on my credit report. 

As a direct result of Equifaxs failure to investigate my dispute : My credit score has been unfairly impacted. 
I have faced loss of financial opportunities, emotional distress, etc. ] due to Equifaxs negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Kriya Capital, LLC
State: TN

Complaint narrative:
I am filing this complaint regarding the inaccurate item of account number XXXX from Credence Resource Managment that continues to impact my score negatively. Despite my efforts to have this resolved with the collections agency, it remains inaccurate and unresolved. I request immediate investigation and removal of this item, as it is, incorrect and does not Reflect my true credit history.

Company response to consumer: Closed with non-monetary relief