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: AZ

Complaint narrative:
My rights enacted by the FRCA, FBCA and Privacy Act are in violation by the unaffiliated 3rd party ( s ) this complaint is going to. For items that have been placed on my credit report. I have included attached documents of these items. As per 15 USC 6802 ( b ) and ( c ). I was never provided the knowledge of the opportunity to opt-out of my personal information being reported. I then was also not provided knowledge and instructions on how to optout of my personal information being reported. In addition I have late payments that are being listed that were never verified and violated my rights per 15 USC 1666b. Both the credit furnisher and reporting agencies are in violation of these acts. They are unable to provide adequate verifiable proof. Which has also been attached in the documents uploaded, providing exact types of acceptable proof to have it considered verified. Lack of this acceptable proof based on the claim is lack of Corporate Compliance and a crime. If the proper recordings matching the letters are not rectified within 30 days and updated immediately with proof of the update. I will next exercise my rights to take legal actions. Since both parties are currently the acting fiduciary agents over my entrusted interests and information. I will take this to federal court to seek the highest claim of the Federal Reserve Act Section 29.

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: Other transaction problem — 
Company: Block, Inc.
State: CA

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 2025-01-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: CO

Complaint narrative:
Received phone calls for a debt for a lease in XXXX, XXXX. A place I've never visited or lived in. 

Asked for proof of debt. And received a leasing agreement with an electronic signature with my name for XXXX XXXX XXXX XXXX  dated XX/XX/year>. 

This is not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Several days ago, I attempted to use the Synchrony app to access my Synchrony savings account, ending in XXXX. I received a notice that the account was " restricted '' and that I would have to call the bank to resolve it. I called the bank and the representative asked me several questions about an external account at a credit union account which I had recently linked to this account. I gave the information that was requested and the rep said that the account should be unlocked shortly. It was not. I called back a second time and gave them more information. The account has still not been unlocked and that it is still " under review. '' The account has {$1000.00} in it. I would like the account to be unlocked as soon as possible so that I may access my funds.

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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In XX/XX/XXXX i submitted a dispute on inaccurate information on my credit. 
XX/XX/XXXX- Experian came back saying they do not recognize me. 
XX/XX/XXXX- I sent back my information, DL, Passport, License agreement, light bill everything that identifies me along with the same disputes. 
XX/XX/XXXX - They fix 1 out of 10 items. I sent back another disputes with the same information same identification. 
XXXX Came back saying they do not recognize me. 
XX/XX/XXXX - I sent another information XX/XX/XXXX- Came back saying they do not recognize me and will not pursue and investigation.

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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
My credit is not where it needs to be. There are things on there that should not be there.

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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-30 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXXXXXX 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 2025-01-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, as well as California Civil XXXX XXXX regarding statute of limitations. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Auto Loan Account ) has violated multiple federal and state laws. Under 15 U.S.C 1681 SECTION 602 A, I have the right to privacy. Additionally, per California Civil Code 337, the statute of limitations for debt collection in California is 4 years. This auto loan account was opened on XX/XX/XXXXXXXX  and closed in XX/XX/XXXX, making it well beyond the statute of limitations and legally time-barred from both collection and reporting. 
The account 's presence on my credit report in XXXX violates both FCRA reporting time limits and California state law. Furthermore, XXXX XXXX XXXX XXXX has failed to provide the required privacy notices and opt-out rights under 12 CFR 1016.4 and 15 U.S.C. 6802. Under the Privacy Act of 1974 ( 5 U.S.C. 552a ), they also failed to obtain prior written consent before reporting.

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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, as well as California Civil Code 337 regarding statute of limitations. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Auto Loan Account ) has violated multiple federal and state laws. Under 15 U.S.C 1681 SECTION 602 A, I have the right to privacy. Additionally, per California Civil Code 337, the statute of limitations for debt collection in California is 4 years. This auto loan account was opened on XX/XX/XXXXXXXX  and closed in XX/XX/XXXX XXXX making it well beyond the statute of limitations and legally time-barred from both collection and reporting. 
The account 's presence on my credit report in XXXX violates both FCRA reporting time limits and California state law. Furthermore, XXXX XXXX XXXX XXXX  has failed to provide the required privacy notices and opt-out rights under 12 CFR 1016.4 and 15 U.S.C. 6802. Under the Privacy Act of 1974 ( 5 U.S.C. 552a ), they also failed to obtain prior written consent before reporting.

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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, as well as California Civil Code 337 regarding statute of limitations. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Auto Loan Account ) has violated multiple federal and state laws. Under 15 U.S.C 1681 SECTION 602 A, I have the right to privacy. Additionally, per California Civil Code 337, the statute of limitations for debt collection in California is 4 years. This auto loan account was opened on XX/XX/XXXX and closed in XX/XX/XXXX, making it well beyond the statute of limitations and legally time-barred from both collection and reporting. 
The account 's presence on my credit report in XXXX violates both FCRA reporting time limits and California state law. Furthermore, XXXX XXXX XXXX XXXX has failed to provide the required privacy notices and opt-out rights under 12 CFR 1016.4 and 15 U.S.C. 6802. Under the Privacy Act of 1974 ( 5 U.S.C. 552a ), they also failed to obtain prior written consent before reporting.

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: TX

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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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: 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:
According to the fair Credit Reporting ACT ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove these items from my credit report. 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 2025-01-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
According to the fair Credit Reporting ACT ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove these items from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

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: MD

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Having this late payment on my account is unacceptable, considering my track record of timely payments. Please remove it and update my account accordingly.

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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing yet another formal complaint against XXXX XXXX XXXX and Equifax for repeated violations of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681o for negligent non-compliance.

This is the third time I have had to escalate a complaint regarding XXXX XXXX deceptive and non-compliant practices. Despite my previous two complaints filed with the CFPB, XXXX XXXX has continued to violate consumer protection laws by failing to provide proper verification of the alleged debt they are reporting on my credit file. 

Ongoing Violations : Failure to provide verification : XXXX XXXX has repeatedly failed to produce any legally sufficient documentation proving the debt is mine, yet it remains on my credit report. 
XXXX failure to properly investigate : Equifax has negligently verified an unverified debt and continues to allow XXXX to report inaccurate information in violation of 15 U.S.C. 1681i ( a ). 
Pattern of deceptive and non-compliant practices : XXXX XXXX has a well-documented history of shady collection tactics, and my previous CFPB complaints have not resulted in them providing any proof of this debt. 
My Requests & Demands : Immediate removal of the XXXX XXXX account from my credit report due to their failure to provide proper verification. 
Investigation into XXXX failure to conduct a proper reinvestigation, including potential penalties for their negligent reporting. 
A written confirmation from Equifax that the disputed account has been deleted from my file. 
An investigation into XXXX XXXX  continued non-compliance, given that this is the third complaint regarding the same issue. 
If this matter is not resolved, I will seek legal action against both XXXX XXXX  and Equifax under 15 U.S.C. 1681o for civil liability due to negligent non-compliance. Their repeated violations have caused direct harm to my financial standing, and I will not hesitate to escalate this to the appropriate legal channels. 

I expect a prompt and thorough investigation, as consumers should not have to file multiple complaints just to have their legal rights upheld.

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: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX, ga XXXX sold an inaccurate rent debt to XXXX XXXX XXXX saying I owed {$9700.00} and I need it removed from my credit report. You cant even find that amount on my XXXX XXXX public record. Its fraudulent.

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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This company can not be investigating the discrepancy on my credit report with the car company because if they did they would have seen the many errors in the reporting

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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE
State: NY

Complaint narrative:
XXXX XXXX Holding My Money Hostage Duplicate Charge Complaint Details : XXXX I was charged twice for the same XXXX transaction. XXXX confirmed in writing that they only charged me once. However, XXXX XXXX refuses to remove the duplicate pending charge, which has left my account in the negative. 

I am currently traveling in XXXX with no money, and XXXX refuses to issue a temporary credit or manually remove the unauthorized hold. 

I have spent hours on hold, including 40+ minutes with a supervisor, and XXXX XXXX refusing to take action. They are illegally restricting my funds under the Electronic Funds Transfer Act ( 15 U.S.C. 1693f ).

I demand : Immediate removal of the duplicate charge OR a temporary credit Refund of any overdraft or foreign transaction fees caused by this error Investigation into Schwabs refusal to follow standard banking procedures Attached : Email from XXXX confirming they only charged me once.

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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/year> XXXX : XXXX XXXX XXXX, XXXX, XXXX, Georgia XXXX I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 

Recently, the consumer Financial Protection Bureau filled a lawsuit against XXXX for failure to properly investigate consumers disputes, citing sham investigations and other unlawful practices. These practices, as outlined by the CFPB, includes. 
Conducting inadequate investigation that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigations results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned thats my dispute may be mishandled in a similar manner.

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