vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 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 a 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 to any 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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I file several disputes to remove old addresses from my credit report. The response from the credit bureaus would be that they can not remove the address because it's tied to an account on my credit report the accounts that are tied to these addresses have been paid to close. I've also disputed those accounts from being a credit report, but they will also not remove Items that have been paid and closed as well. So now I'm stuck with negative items on my credit report that are causing my score to not increase and also I have old addresses on my credit report that are causing my credit report to reflect negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 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 explanation
Consumer complaint received 2025-01-27 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: EQUIFAX, INC.
State: CA

Complaint narrative:
under 15 U.S. Code 1681i ( a ), I have the right to request an investigation of disputed information. I am demanding proof of the investigation that took place, including documentation of the permissible purpose for these inquiries and the name of the person or entity who authorized them. If this evidence can not be provided, the inquiries must be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: MS

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

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 2025-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing this complaint against Cash App due to the unauthorized use of my account, caused by a security breach that allowed fraudsters to access my personal and financial information. As a XXXX XXXXXXXX and a well-known professional in Georgia, this breach had significant financial and reputational consequences for me and my business. My Cash App account was hacked, resulting in unauthorized transactions and financial loss. Although there was approximately {$100.00} left in my account at the time of the hack, I was unable to transfer these funds to my new Cash App handle. The resolution provided by Cash App was insufficient, as I did not recover my money or receive meaningful assistance beyond being advised to set up a new account. The situation worsened when my business XXXX page was also hacked shortly after my Cash App account. The hackers used my XXXX page ( then changed the name ) to mislead my clients and associates, instructing them to send money to fraudulent accounts. Despite my efforts, I was unable to recover my old XXXX or Cash App accounts, causing me to lose connections with clients, harm my professional reputation, and disrupt my ability to conduct business effectively as they scammed one of my clients into send them money. I believe this incident reflects the weak security measures within Cash Apps systems, which enabled the fraudsters to exploit my account and cause financial and reputational harm. This issue aligns with the broader concerns raised by the CFPB regarding Cash Apps insufficient safeguards against fraud and breaches. I am seeking accountability for the financial loss, reputational damage, and disruption caused by this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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 tried disputing fraudulent inquiries on my TransUnion credit report. They came back as verified when I did not make these inquiries at all. I called on XX/XX/XXXX twice waited over two hours to speak with a supervisor he couldnt tell me how they verified these inquiries instructed me to call each of these companies that I did not run my credit with to get a letter from them. Which leave me to believe they did not conduct any investigation at all. They need to remove these inquiries immediately! It is unlawful to report anything I did NOT authorize! 

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 non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
Hello, On XX/XX/XXXX, I received a notification that my credit score had dropped XXXX points due to a late payment with CB INDIGO. This account was paid off twice. I paid the final balance due in XXXX and paid the annual fee of {$99.00} in XX/XX/XXXX. After that the account was locked, i was unable to see any payment information and put in account closed status. And since I was paying the other credit cards on time and being offered credit cards I assumed nothing was due. Unbeknownst to me, that was completely false and I was being tricked and charged astronomical late fees and maintenance charges while the account was blocked from my viewing. I have since canceled all new cards with this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: U.S. BANCORP
State: UT

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done.

These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer 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 2025-01-28 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: UT

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer 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 2025-01-27 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: PA

Complaint narrative:
I am submitting this complaint because I have disputed several inaccurate items on my TransUnion, XXXX XXXX XXXX credit report, which appear under the names XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX, as well as specific inquiries from XXXX XXXX. Under the Fair Credit Reporting Actparticularly 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( 5 ) ( A ) I have requested that they provide a valid contract or agreement bearing my signature to verify these accounts. If the data furnishers fail to provide this evidence within 30 days, these items must be removed. I request the CFPBs assistance in ensuring compliance with the law and the timely removal of any items that can not be properly verified. 

Thank you for your time and attention to this matter.

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 2025-01-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENOVA INTERNATIONAL, INC.
State: KY

Complaint narrative:
Debt collector called me I answered and lost connection to the call, company continued to call father in law about the debt even though he had nothing to do with said debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
Having reviewed my most recent credit report, I noticed an error that does not match the documentation I have. This discrepancy could lead to misunderstandings or inaccuracies in assessing my creditworthiness, which I would like to avoid. Please take the time to carefully investigate this issue and correct it as needed. I value your assistance in ensuring the accuracy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lendmark Financial Services
State: VA

Complaint narrative:
I recently reviewed my credit report and found several inaccuracies that I formally dispute. Please verify or remove the following : accounts with XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ), and Lendmark Financial Services ( XXXX ), as I do not recognize or have any agreements with these entities. Additionally, I request the removal of unauthorized hard inquiries from XXXX XXXX ( XX/XX/year> ) and Lendmark Financial Services ( XX/XX/year> ). Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ( a ) ), I request an investigation and removal of unverifiable items within 30 days. Furthermore, I am aware that the Consumer Financial Protection Bureau ( CFPB ) has filed a lawsuit against XXXX for negligence, further underscoring the importance of ensuring the accuracy of consumer credit reports. XXXX violates my rights as a consumer also making it practically impossible to purchase my first home or new vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: Credit Karma, LLC
State: MI

Complaint narrative:
I have used Credit Karma 's services since XXXX. I had their Spend, Save, and Credit Builder programs. I didn't use them for anything other than my taxes and credit monitoring. On XX/XX/XXXX of XXXX I found a charge on there from a different state and reported it. The person I spoke with stated my accounts would be frozen and a specialized team would be investigating. On XX/XX/XXXX I received an email from Credit Karma asking for a copy of my license, via the email. On XX/XX/XXXX I received another email stating that all my accounts were closed. I didn't request this and they didn't provide any reason. On XX/XX/XXXX I received an email that my Credit Builder program was closed with no explanation. On XX/XX/XXXX I recieved an email stating that I must provide my outside bank information in order to get my money that was in that program and I must provide it via email. I called and was told by the Credit Builder program I must provide it in that email and that they couldn't take it over the phone. In the email it even said to include special characters to bypass their own system. I stressed how absurd this was but they said that's the only way to get my money back. All throught this I was never told why all my accounts were closed, just that they had the right to do so for any reason. This is wrong, I went to them because of a fraudulant charge and now my credit has been damaged and I have no explanation. I had also asked for all statements for my accounts and have never received those. I contacted them yesterday and today because I tried to open an account again, like they said I'd be able to, I wasn't and they still couldn't give me an answer. I also have never received a letter of explanation. How can they do this? I've been with them since XXXX and went to them for exactly what they are for and I get dismissed and shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Allied Collection Service, Inc. (Indiana)
State: IN

Complaint narrative:
I paid the judgement in full of {$1500.00} that was owed to Allied Collection Services inc. at XXXX County Court House on XX/XX/year>. Remaining balance Due : XXXX says right on the receipt. Allied Collection Services Inc. Is saying I OWE MORE money to them INTEREST and want to collect that money IN COURT. Allied Collection filed a case 1 month after i paid that judgement .DEBT WAS PAID IN FULL!! CAN THEY DO THAT AFTER I ALREADY PAID THAT JUDGEMENT IN FULL.??? Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MI

Complaint narrative:
The company starting around XX/XX/year> started reporting to the credit bureau that I owed them monies for a collections account that I have no knowledge of. Around XX/XX/year> I sent a request to said company to send me a signed contract that I had between myself and them to prove that I owed said funds including my pen and ink signature binding me to alleged debt. After 30 days I received no response from company. I then sent a cease and desist order for them to stop reporting an invalid debt on my consumer reports that has not been proven that belong to me. In XX/XX/year> I then sent a letter stating that according to the FCRA Section 605B. It is illegal to report information to my credit report with out my permission

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am contacting you to dispute fraudulent items on my credit report, which I believe have been added illegally. Pursuant to 15 U.S.C. 1681c-2, I am requesting that these inaccurate items be blocked promptly. Attached is a copy of my Police Report/FTC Identity Theft Report Number XXXX, which provides the evidence of clearly fraudulent credit reporting. Under the provisions of 15 U.S.C. 1681c-2, once an identity theft report has been submitted, consumer reporting agencies are required to block the disputed information within four business days. The following entries on my credit report are associated with this identity theft and must be blocked. 

I am writing to certify to you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 

In addition, I request the immediate removal of the following fraudulent ACCOUNTS AND INQUIRIES from my credit report with Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation