vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-10 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: TX

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: GA

Complaint narrative:
I have been calling Cash App multiple times since XX/XX/XXXX in regards to the dispute I filed more than once. They are not providing any information regarding the disputes I file with them. I filed two police report : XXXX. The first was in the amount of {$200.00} at XXXX at XXXX XXXX. The second charge is {$200.00} at the XXXXXXXX XXXX XXXX XXXX XXXX. The third charge was {$500.00} at XXXX at XXXX. The fourth charge was in the amount {$700.00} was also at XXXX at XXXX. Three transactions were a mobile transfer, in the amount was {$100.00} at XXXX XXXX. The next one was {$100.00} at XXXX. The last transaction was in the amount of {$580.00} at XXXX. I spoke with XXXX XXXX XXXX, they informed me that the transactions were coming from a Cashapp code as XXXX as of today XXXX was able to get me back into my email XX/XX/year> and you can see my information my passcode and my location was disable to the phone proving I was not the one who made those transactions and I was also able to get the police report that cash app keeps denying to view. And because they closed the account in a inappropriate time with investigating I cant load the documents. To this day I still have not had a full investigation my funds have not been released back to as told by the first Cash App Worker. I also requested them to go back and listen to all the calls and to go threw the transactions proving my innocence and still no response. You dont see any of those people on my cash app account. I never withdraw that amount of money, my transactions are used for rent if its a large amount and if you look at the times of the transactions and they way it was removed from my account it shows it wasnt me. I am refiling this claim and need a throughly investigation. No person or company should be able to get away this and treat their clients with such disrespect. Its humanly wrong and this has ruined my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: RI

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting XXXX % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: RI

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting XXXX % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IL

Complaint narrative:
On XX/XX/XXXX, I received a notification from XXXX XXXX stating that Toyota Financial Services had reported late payments for the months of XXXX through XX/XX/XXXX on my credit report. However, this reporting is inaccurate. 

On XX/XX/XXXX, my electronic virtual mailbox system through IncFile notified me that I had received a Right to Cure letter from Toyota Financial Services. This letter explicitly stated : " If you pay the AMOUNT NOW DUE ( {$950.00} ) by the LAST DAY FOR PAYMENT ( XX/XX/XXXX ), you may continue under the above-referenced agreement as though you were not late. If you do not pay by that date, we may exercise our rights under the law. '' Upon receiving this notification, I immediately took action and made a payment of {$950.00} the same day, XX/XX/XXXX, bringing my account current before the stated deadline. Despite following XXXX instructions and resolving the issue promptly, my account was still reported as late to the credit bureaus, negatively impacting my XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: ENOVA INTERNATIONAL, INC.
State: ID

Complaint narrative:
I woke up to multiple soft pulls that were unauthorized and fraudulent despite having a fraud alert set! I attempted to find information to dispute these online, and was told to go call customer service. The customer service will not allow you to speak to a human being and refers you online. Not only that, but requiring membership for full credit freeze is beyond predatory after we've already taken preventative measures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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:
These accounts were not opened or approved by me, and it is unfair for me to be blamed for them. I ask for prompt action to address this concern.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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:
These accounts were not opened or approved by me, and it is unfair for me to be blamed for them. I ask for prompt action to address this concern.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Disputed multiple times with XXXX over incorrect information and after their investigation, the payment history information continues to have incorrect consecutive and reoccurring details. The account has been paid/settled and even written off by the creditor, however a 1099-C was not provided.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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: NY

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX/XXXX/2024 XXXX XXXX XX/XX/year>2024 XXXX XX/XX/XXXX XX/XX/scrub>/2024 XXXX XXXX XXXX XXXX/XXXX/2024 XXXX XXXX XXXX XXXX/XXXX/2024 XXXX XXXX/XXXX/2024

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax claims I have no credit profile every time I submit a dispute, but I clearly have one. I believe this tactic there using is fraudulent. over the past year since XX/XX/XXXX to present XX/XX/XXXX I've received over 35 letters stating they can not locate a file for me but when I call the find the file. I have identified myself numerous of times and have submitted documentation don't what's going on with Equifax and my credit profile, but it needs to be fixed immediately. I will proceed with legal actions with my attorney against Equifax if not corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AL

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 2025-02-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Servicer under contract with Federal Student Aid
State: IA

Complaint narrative:
I recently discovered that my sensitive and legally protected educational records were accessed and potentially shared without my consent by the XXXX XXXX XXXXXXXX XXXX ( XXXX ).

Company response to consumer: Untimely response
Consumer complaint received 2025-02-10 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 writing to formally lodge a complaint regarding the recent lawsuit filed against the major credit bureaus ( Equifax, XXXX, and XXXX ). I have been following this case and I am deeply concerned about its impact on consumers like myself, who have been affected by inaccuracies and unfair practices in credit reporting. 

Over the years, I have encountered several issues with the credit reporting process, including but not limited to incorrect information appearing on my credit report, delays in addressing disputes, and the lack of transparency and accountability from these credit bureaus. Despite multiple attempts to resolve these issues directly with the bureaus, I have experienced little to no satisfaction or improvement. 

The lawsuit, which claims the credit bureaus have engaged in negligent behavior and failed to properly handle disputes or provide consumers with adequate protection, resonates with my personal experience. It is deeply troubling to see these companies, who hold such significant power over people 's financial lives, engage in practices that harm consumers by maintaining inaccurate or incomplete data. 

My concerns include the following : Failure to Correct Errors : Despite submitting disputes regarding inaccurate information on my credit report, I have not seen timely corrections or adequate explanations from the credit bureaus. 

Lack of Transparency : The credit bureaus provide limited clarity on how they handle disputes or the process they follow when investigating errors, leaving consumers in the dark.

Inadequate Customer Service : My efforts to reach out to the credit bureaus for assistance have often resulted in long delays, unanswered calls, or responses that do not resolve my concerns.

Impact on Creditworthiness : The inaccuracies in my credit report have negatively impacted my credit score, limiting my access to financial products and services at fair terms. 

I urge the Consumer Financial Protection Bureau to continue to investigate these practices and take appropriate action against the credit bureaus to ensure they are held accountable for their actions and that consumers ' rights are protected. It is crucial that the credit reporting system becomes more transparent, efficient, and consumer-friendly, allowing for timely corrections and clear communication throughout the dispute process. 

I would appreciate any updates on the progress of this lawsuit and any actions that may be taken to address these ongoing concerns. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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 writing to formally lodge a complaint regarding the recent lawsuit filed against the major credit bureaus ( Equifax, XXXX, and XXXX ). I have been following this case and I am deeply concerned about its impact on consumers like myself, who have been affected by inaccuracies and unfair practices in credit reporting. 

Over the years, I have encountered several issues with the credit reporting process, including but not limited to incorrect information appearing on my credit report, delays in addressing disputes, and the lack of transparency and accountability from these credit bureaus. Despite multiple attempts to resolve these issues directly with the bureaus, I have experienced little to no satisfaction or improvement. 

The lawsuit, which claims the credit bureaus have engaged in negligent behavior and failed to properly handle disputes or provide consumers with adequate protection, resonates with my personal experience. It is deeply troubling to see these companies, who hold such significant power over people 's financial lives, engage in practices that harm consumers by maintaining inaccurate or incomplete data. 

My concerns include the following : Failure to Correct Errors : Despite submitting disputes regarding inaccurate information on my credit report, I have not seen timely corrections or adequate explanations from the credit bureaus. 

Lack of Transparency : The credit bureaus provide limited clarity on how they handle disputes or the process they follow when investigating errors, leaving consumers in the dark.

Inadequate Customer Service : My efforts to reach out to the credit bureaus for assistance have often resulted in long delays, unanswered calls, or responses that do not resolve my concerns.

Impact on Creditworthiness : The inaccuracies in my credit report have negatively impacted my credit score, limiting my access to financial products and services at fair terms. 

I urge the Consumer Financial Protection Bureau to continue to investigate these practices and take appropriate action against the credit bureaus to ensure they are held accountable for their actions and that consumers ' rights are protected. It is crucial that the credit reporting system becomes more transparent, efficient, and consumer-friendly, allowing for timely corrections and clear communication throughout the dispute process. 

I would appreciate any updates on the progress of this lawsuit and any actions that may be taken to address these ongoing concerns. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I did already complain about a fraud that occurred on my account yesterday they re open the case after I saw my account overdraft - {$1200.00} then I saw positive my account because re open the case but didn't give back XXXX back after the 3 claim was re open XXXX was total {$2800.00} only received XXXX back im very frustrated and Agin I'm overdraft it reversal credit {$240.00}

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 monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.

Complaint narrative:
I noticed my identity was stolen last year and had put a fraud alert and freeze on my credit reports swiftly. Despite this the identity thief still tried to obtain an apartment with XXXX XXXX XXXX in XXXX, South Carolina. I found out when a debt collection was put on my credit reports for an unpaid apartment fee of {$350.00} from National Credit Systems even though I had fraud alerts and a credit freeze up when this person applied for the apartment and no one tried to contact me to make sure the application wasnt fraudulent. I called National Credit Systems to find out why and they gave me the info of XXXX XXXX XXXX where the debt came from. When I called to try and obtain information from the apartments they said they would have to talk to their manager to release the tenant application that was in my name. They then sent an email saying I would need to get my lawyer to talk to their lawyers for my civil case. No lawyers were mentioned on the phone and I was simply asking for the tenant application the identity thief put in my name which is my right to do as an identity theft victim. I emailed them back on XX/XX/year> requesting the tenant application information attaching my identity theft report from the FTC and giving them the reference number to the police report I filed in XXXX. I have not heard back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: TX

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

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