vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-25 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: CA

Complaint narrative:
I called Cash App at XXXX Twice to dispute an amount that was authorized by XXXX XXXX  in the amount of XXXX I got denied twice and when Cash App sent me the email it was the same speech that they gave me in the second email and I reported this to the XXXX XXXX XXXX and I don't think think its going to be resolved so I decided to file a complaint here.

All I am asking is for my money back in the amount of XXXX all I want is for Cash App to refund my money I don't see what the problem is I have dealt with other pre-paid companies and they refund your money right away I've been waiting over 10 business days and no results except excuses from Cash App

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: NY

Complaint narrative:
My name is XXXX XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: TX

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 account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: SC

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/year> Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/year>

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 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am requesting the removal of a 30-day late payment reported by XXXX on my credit report from XX/XX/year>. This occurred while I was overseas for a few weeks. I was under the impression that I had automatic payments enabled on this accounta 0 % interest balance transfer card that Ive been responsibly paying down over time. 



I received no text, email, or push notifications from XXXX during this period to notify me of the missed payment. After investigating, I discovered a critical flaw in XXXX  alert system : I have two XXXX credit cards, one of which is frozen and no longer used. My text alerts and notifications were still tied to that old card. XXXX system does not automatically migrate alert preferences to a new active account, even though my phone number and contact info were fully registered. A consumer would have to notice and manually override alert settings to receive important account notices on the new cardwhich I had no reason to believe was necessary. This is an easily overlooked issue that created a blind spot in communication. 



As a result, I had no idea I had missed a payment while abroad. I resumed payments as soon as I realized the error and have not missed one since. This is also the first and only late payment Ive had in more than 8 years of perfect credit history. I submitted a goodwill adjustment request directly to XXXX, but was deniedeven though the issue was clearly not due to neglect but a notification failure caused by account settings fragmentation within their system.

This single negative mark has severely impacted my credit score and ability to qualify for credit products. I respectfully ask that the late payment be removed or suppressed based on the extenuating circumstances, flawed communication setup, and my strong payment history. I am committed to responsible credit use and appreciate your help in ensuring that this situation is treated fairly.

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 2025-04-25 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: NY

Complaint narrative:
I am requesting the removal of a 30-day late payment reported by XXXX on my credit report from XX/XX/year>. This occurred while I was overseas for a few weeks. I was under the impression that I had automatic payments enabled on this accounta 0 % interest balance transfer card that Ive been responsibly paying down over time. 



I received no text, email, or push notifications from XXXX during this period to notify me of the missed payment. After investigating, I discovered a critical flaw in XXXX  alert system : I have XXXX XXXX credit cards, one of which is frozen and no longer used. My text alerts and notifications were still tied to that old card. XXXX system does not automatically migrate alert preferences to a new active account, even though my phone number and contact info were fully registered. A consumer would have to notice and manually override alert settings to receive important account notices on the new cardwhich I had no reason to believe was necessary. This is an easily overlooked issue that created a blind spot in communication.

As a result, I had no idea I had missed a payment while abroad. I resumed payments as soon as I realized the error and have not missed one since. This is also the first and only late payment Ive had in more than 8 years of perfect credit history. I submitted a goodwill adjustment request directly to XXXX, but was deniedeven though the issue was clearly not due to neglect but a notification failure caused by account settings fragmentation within their system.

This single negative mark has severely impacted my credit score and ability to qualify for credit products. I respectfully ask that the late payment be removed or suppressed based on the extenuating circumstances, flawed communication setup, and my strong payment history. I am committed to responsible credit use and appreciate your help in ensuring that this situation is treated fairly.

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 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am requesting the removal of a 30-day late payment reported by XXXX on my credit report from XX/XX/2024. This occurred while I was overseas for a few weeks. I was under the impression that I had automatic payments enabled on this accounta 0 % interest balance transfer card that Ive been responsibly paying down over time. 



I received no text, email, or push notifications from XXXX during this period to notify me of the missed payment. After investigating, I discovered a critical flaw in XXXX  alert system : I have XXXX XXXX credit cards, one of which is frozen and no longer used. My text alerts and notifications were still tied to that old cardXXXX XXXX  system does not automatically migrate alert preferences to a new active account, even though my phone number and contact info were fully registered. A consumer would have to notice and manually override alert settings to receive important account notices on the new cardwhich I had no reason to believe was necessary. This is an easily overlooked issue that created a blind spot in communication.

As a result, I had no idea I had missed a payment while abroad. I resumed payments as soon as I realized the error and have not missed XXXX since. This is also the first and only late payment Ive had in more than 8 years of perfect credit history. I submitted a goodwill adjustment request directly to XXXX, but was deniedeven though the issue was clearly not due to neglect but a notification failure caused by account settings fragmentation within their system. 



This single negative mark has severely impacted my credit score and ability to qualify for credit products. I respectfully ask that the late payment be removed or suppressed based on the extenuating circumstances, flawed communication setup, and my strong payment history. I am committed to responsible credit use and appreciate your help in ensuring that this situation is treated fairly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting this complaint to request the deletion of a specific account from my credit report with TransUnion, Experian, and Equifax due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Account in Dispute : - Account Number : XXXX - Creditor Name : XXXX XXXX XXXX- This account contains inaccurate and inconsistent information across the XXXX credit bureaus : TransUnion reports the account as a charge-off with no payment history and a balance owed of {$1500.00} ; Experian shows XXXX closed account with late payment history and also lists a {$1500.00} balance ; Equifax reports the account as open with a different last activity date and lists the account as XXXX  days late. The differences in status, dates, and payment history across the bureaus violate the FCRA 's accuracy standards.

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 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-04-25 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: CA

Complaint narrative:
This correspondence serves as a formal follow-up and final notice regarding your continued noncompliance with the Fair Credit Reporting Act ( FCRA ), despite my previous dispute dated XX/XX/XXXX. To date, you have failed to conduct a proper reinvestigation of the disputed account listed below, nor have you provided the legally required verification documentation in response to my demand under FCRA 611 ( a ).

Let me remind you that under FCRA 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 5 ), you are obligated to complete a reasonable reinvestigation of disputed information and to delete or modify any unverifiable data. Additionally, under FCRA 623 ( b ), data furnishers must investigate and report the results of the reinvestigation to the credit reporting agency in a timely and accurate manner. Your failure to do so not only undermines the integrity of the credit reporting system but also exposes your organization to significant legal liability under FCRA 617 for damages resulting from your willful or negligent noncompliance.

Documentation Still Required : Despite my prior request, you have not produced any of the following : 1. A copy of the original creditor agreement bearing my signature ( if applicable ) ; 2. Records or communications used to verify the accuracy of the disputed information ; 3. Documentation outlining your reinvestigation procedure and final findings.

Without this verification, continued reporting of inaccurate information violates FCRA 611 ( a ) ( 5 ) ( A ), which explicitly requires deletion if information can not be verified.

Continued Noncompliance Legal Implications You are now in a clear pattern of willful noncompliance. I remind you of the precedent set in : Cushman v. TransUnion Corp., 115 F.3d 220 ( 3rd Cir. 1997 ) where failure to conduct a reasonable reinvestigation was held as willful noncompliance ; Dennis v. BEH-1, LLC, 520 F.3d 1066 ( 9th Cir. 2008 ) where damages were awarded due to inaccurate reporting and failure to properly reinvestigate.

I reserve all rights to pursue monetary damages, including : Statutory damages up to {$1000.00} per violation ; Punitive damages for willful noncompliance ; Compensation for actual damages, including emotional distress and credit denials ; Legal fees and court costs, if litigation becomes necessary. 

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 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
On XX/XX/year> i initiated a dispute against XXXX XXXX XXXX XXXX for not updating accurate information to chexsystem. The charge off was paid in full. The XXXX dispute timeframe under the Fair Credit Reporting Act ( FCRA ) refers to the requirement for consumer reporting agencies ( CRAs ) to investigate and resolve disputes about the accuracy or completeness of information in a consumer 's credit file within 30 days of receiving a notice of the dispute from the consumer. Chexsystem took upon themself to extend the dispute beyond 30 days, its illegal according to the law.

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 2025-04-25 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2025-04-25 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ACCOUNTS TO BE REMOVED XXXX  XXXX BALANCED {$0.00} XXXX XXXX XXXX  XXXX XXXX {$0.00} XXXX  XXXX XXXX BALANCED {$0.00} These accounts has resulted in several appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent accounts. I do not recognize the aforementioned accounts, as reported. The aforementioned accounts, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.

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 2025-04-25 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: AZ

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX * * * * * * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX * * * * * * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX * * XXXX * * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX * * * * * * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX * * * * * * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX * * * * * * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX * * * * * * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX * * * * - Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
Three banking institutions are reporting inaccurate information on my ChexSystems report. ChexSystems refuses to remove the information, and as a result, I got denied for a bank account.

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 2025-04-25 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: CT

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ACCOUNTS TO BE REMOVED XXXXXXXX XXXX XXXXXXXX BALANCED {$0.00} CONSERVE ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX BALANCED {$0.00} XXXX XXXX  XXXX BALANCED {$0.00} XXXX XXXX XXXX * * * * BALANCED {$14000.00} XXXX XXXX XXXXXXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX BALANCED {$53000.00} XXXX XXXXXXXX XXXX XXXXXXXX BALANCED {$44000.00} XXXX XXXX BALANCED {$0.00} These accounts has resulted in several appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent accounts. I do not recognize the aforementioned accounts, as reported. The aforementioned accounts, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.

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