vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-01 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: NJ

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B 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 non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MS

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 2025-05-01 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: FL

Complaint narrative:
This account is fraudulent. I have been disputing this for 4 months now. The information has not been blocked which is a direct violation of my rights under FCRA. I have filed a police report as well as an FTC report but nothing has been rectified. I have done everything that I as a consumer am required to do but I now need your assistance in removing this fraudulent account from 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 2025-05-01 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: FL

Complaint narrative:
This account is fraudulent. I have been disputing this for 4 months now. The information has not been blocked which is a direct violation of my rights under FCRA. I have filed a police report as well as an FTC report but nothing has been rectified. I have done everything that I as a consumer am required to do but I now need your assistance in removing this fraudulent account from 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 2025-05-01 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: NJ

Complaint narrative:
In XX/XX/XXXX, I discovered a fraudulent accounts on my credit report that I did not authorize. These accounts were opened without my knowledge or consent and appears to be the result of identity theft or unauthorized use of my personal information. 
The fraudulent accounts include : XXXXXXXX XXXX XXXXXXXX credit card- opened in XXXX, XXXXXXXX XXXX XXXX credit card- opened in XXXX, XXXX XXXX XXXX  XXXX- educational loan- opened in XXXX, XXXX XXXX - unsecured loan- opened in XXXX, XXXX XXXX XXXX - auto loan- opened XXXX XXXX XXXX XXXX XXXX - credit card- opened in XXXX, XXXX XXXXXXXX -credit card- opened in XXXX, XXXX XXXX XXXXXXXX -credit card- opened XXXX, XXXX XXXX- credit card- opened in XXXX and the following inquiries were also never authorized by me and are fraud as well : XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX inquired XXXX XX/XX/XXXX XXXX XXXX inquired XXXX XX/XX/XXXX XXXX XXXX XXXX inquired XXXX XX/XX/XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX These accounts were added to my credit report without my 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 2025-05-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I reviewed my credit report and found XXXX hard inquiries from Bank of America dated XX/XX/XXXX, and XX/XX/XXXX. While it is possible that I may have applied for a product or service, I do not recall explicitly authorizing a hard credit inquiry on either occasion. 

Under the Fair Credit Reporting Act ( FCRA ), hard inquiries require clear and explicit consumer consent. I contacted Bank of America and requested proof of my authorizationsuch as a signed application or digital confirmation. The bank responded by stating that I had digitally signed a consent form, but they refused to provide a copy of the document or any evidence confirming that I knowingly authorized a hard inquiry. 

I want to emphasize that the authorization must clearly state that it is for a hard inquirynot a general credit report check or account review. Without documentation showing that I gave informed consent specifically for a hard inquiry, I am concerned these may have been conducted without proper authorization. These inquiries have negatively impacted my credit score and financial planning. 

I have made multiple attempts to resolve the issue directly with the bank, but I have not received the necessary proof or cooperation. Therefore, I am filing this complaint to request a formal investigation and assistance in having any unauthorized hard inquiries removed from 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 2025-05-01 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: HUNTINGTON NATIONAL BANK, THE
State: AZ

Complaint narrative:
My account was closed for no reason at all and i asked Several times and was treated unfairly. I have Several emails and recorded conversations to show.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: FL

Complaint narrative:
Subject : Demand for Explanation of Investigation Procedure - Contested Entries on Credit History Dear Sir/Madam , I demand an immediate and thorough explanation of the investigative procedures undertaken by your organization in relation to the contested accounts on my credit file. In accordance with the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( 7 ), credit reporting entities are required to furnish a detailed account of the investigative process within a 15-day timeframe from the receipt of a consumer 's dispute.

Furthermore, in accordance with the requirements outlined in the Truth in Lending Act ( TILA ), 15 USC 1601, it is absolutely essential that all credit information disclosed is precise and clearly presented to safeguard consumer rights. 



Below are the details of the disputed account : XXXX. XXXX XXXX Name of Account and Account Number XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Date Late Payment : XX/XX/year> 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 2025-05-01 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:
Subject : Urgent Demand for Immediate Rectification of Credit Information - Blatant Violation of 15 U.S. Code 1666b and Various FCRA Regulations I am writing to follow up on my previous letter dated XX/XX/XXXX, in which I requested the correction of inaccurate information on my credit report regarding incorrectly reported late payments on myXXXX  - XXXX - This is paid as agreed and should not be reporting negatively on my report .. To date, I have not received confirmation of the correction nor observed any changes in my credit report. 



As previously indicated in my correspondence, in accordance with 15 U.S. Code 1666b, creditors are mandated to dispatch periodic statements, encompassing all details mandated by section 1637 ( b ), at minimum 21 days prior to the payment due date. This regulation guarantees that consumers are afforded ample time to receive, assess, and execute necessary payments without facing undue repercussions for tardy payments.

Moreover, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, dictates that credit reporting agencies and information furnishers promptly rectify any erroneous or deficient information in credit reports and ensure the utmost precision of information contained in consumer files.

Furthermore, I must bring to your attention the Protection Against Non-Payment of Obligations Act ( PAANL ), which mandates that creditors must promptly send out statements to prevent unjust penalties from being imposed on consumers.

Moreover, the FCRA firmly establishes in articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) the severe consequences for deliberate and careless disregard of its mandates. These stipulations mandate restitution, including real damages, legal fees, and potential punitive damages, as a consequence of failing to adhere to the Act 's stipulations.

The flagrant disregard for these regulations has led to the emergence of tardy payments on my credit report, greatly diminishing my credit score. This egregious violation infringes upon my rights as stipulated by the FCRA.

I demand a thorough reevaluation of my dispute and rectification of any erroneous information pertaining to these delinquent payments on my credit report. Provided below are the specifics of the impacted payments : Date of reported late payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-01 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: GA

Complaint narrative:
XXXXXXXX XXXX wipe these false report I feel like esperion is taking adof me I never initiated the bankruptcy never went to court repaid them a penny XXXX reported this yet they want send me my report and esperion is reporting false information please help.or I need a lawyer thank-you need this rectify immediately I'm not waiting another45 days I'm tr6to move and there holding that up thank-you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
FRAUDULENT CHARGES USING XXXX, XXXX XXXX, FROM MY ATM CARD WITH CHASE BANK XXXX XXXX discovered my account was overdrawn. checked my statement, found over 40 charges that I did not make. Advised bank, they canceled the card used and re issued.

she told me someone used an apple pay account with different phone numbers than mine to fraudulently make charges on XXXX. 
After 10 days, no word from bank, I called, they said " denied '' that I authorized the purchases/transactions. 
I filed police report, advised my card had been missing for about 24 hours, but I did have it back from restaurant.

took police report to bank to provide more information. Bank denied again, saying I authorized the transactions and that I told them I had an apple pay account. I DO NOT have an apple pay account, I do not have any APPLE devices. they would not tell me more.

Called again, explained they lied when they said I told them I have an apple pay account, I never said that, don't know what it is. 
Called XXXX, XXXX verified was fraud and said they would return my money, they wrote me an email to confirm then they returned funds back to the FRAUDULENT APPLE ACCOUNT, instead of my bank. now no one will help, XXXX will not speak with me because I have no apple account and bank denied me even with proof. Chase bank said I opened an apple pay account in XX/XX/year> on " a few devices '' but would not tell me what kind of devices, or how, or why I was not notified someone was using an apple pay account with my information. 
- I said no, I have no devices, nor did I receive notice from them an account was being opened. Later that night, they send me the XXXX denial. the total amount stolen from me is {$5700.00} plus overdraft fees, bank fees, etc. XXXX is investigation " if they can get the money back '' after they erroneously sent it to the apple pay account that stole my atm card information. Chase will not provide me with what they found, like the phone numbers used, the ip address of whomever signed up an apple pay account with my card, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: EdFinancial Services
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XX/XX/year> To Whom It May Concern, I am writing to formally dispute inaccurate and fraudulent information on my credit report in accordance with 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ). This section allows for the blocking of information that results from identity theft.

Specifically, I am requesting that you immediately block and remove all 24-27 accounts listed under the name EDFINANCIAL that appear on my credit report. I am not responsible for these accounts, and they were opened or reported without my knowledge or authorization.

Under 15 U.S.C. 1681c-2, you are required to block these accounts from my credit file within four business days of receiving this request, provided that you have the appropriate documentation and proof. I demand that all credit reporting agencies cease reporting these accounts and notify the furnisher ( EDFINANCIAL ) of the block as required by law.

Please send me written confirmation once the items have been removed, along with an updated copy of my credit report. 
Thank you for your prompt attention to this serious matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Klima, Peters & Daly, P.A.
State: DE

Complaint narrative:
I sent them a letter XX/XX/year> about deleting the debt that's was already written off by the original debt collector and also the aggravated value of purchase

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
This collection agency calls multiple times, usually repeated calls within 30-40 minutes of each other using different phone numbers. When asked the caller does not provide the name of the company. The caller attempts to get me to agree or to say yes. They refuse to remove me from a do not call list but use other numbers to reach me and say its their first time calling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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:
" 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 each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
My account was closed for no reason at all and i asked Several times and was treated unfairly. I have Several emails and recorded conversations to show.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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:
Subject : Demand for Detailed Explanation of Investigation Procedure - Contested Entries on Credit Report Dear Sir/Madam, I demand an immediate and thorough explanation of the investigative procedures carried out by your organization in relation to the contested entries on my credit file. In accordance with the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( 7 ), credit reporting entities are legally required to furnish a detailed account of the inquiry process within a 15-day timeframe following receipt of a consumer 's challenge.

Furthermore, in accordance with the Truth in Lending Act ( TILA ), 15 USC 1601, it is crucial that all credit information disclosed is precise and easily understandable to safeguard consumer privileges.

Below are the details of the disputed account : 1. * * Name of Account and Account Number * * : XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX XXXX : XX/XX/year> * *

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: Nelnet, Inc.
State: AZ

Complaint narrative:
Subject : Illegal Student Loan Reporting & Collections Following Department of Education Abolishment To Whom It May Concern, I am filing a formal complaint against Nelnet, XXXX XXXX XXXX XXXX for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the U.S. Department of Education.

Complaint Details : 1. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education. 
2. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment.

3. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ).

I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action.

Respectfully,

Company response to consumer: Closed with explanation