vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-17 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: GA

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint regarding multiple inaccuracies on my credit report. Despite my previous disputes, the credit bureaus have failed to properly investigate and correct these erroneous items, which is a direct violation of the Fair Credit Reporting Act ( FCRA ) under sections 611 and 623. Due to these errors, my credit score has been severely impacted. 

Disputed Accounts : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date of Inquiry - XX/XX/XXXX I have no association with these accounts, yet they have been wrongly attributed to me. Under FCRA Section 609, I request verification of these accounts with proper documentation proving they belong to me. If no such documentation exists, they must be immediately removed from my credit file. 

Incorrect Addresses on File : XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX These addresses do not belong to me and should not be associated with my credit report. The presence of inaccurate addresses can indicate identity confusion or potential fraud. Under FCRA Section 605, outdated or incorrect personal information must be corrected or removed.

FCRA Violations Committed by the Credit Bureaus : Failure to Conduct a Reasonable Investigation ( FCRA Section 611 ) My previous disputes were not properly investigated.

Failure to Provide Verification ( FCRA Section 609 ) The credit bureaus have not provided legitimate proof that these accounts belong to me.

Failure to Maintain Accurate Information ( FCRA Section 623 ) Reporting inaccurate accounts and addresses is a violation of my consumer rights. 

Requested Resolution : Remove all the incorrect accounts listed above from my credit report immediately. 

Remove all erroneous addresses from my credit report. 

Provide written confirmation that these inaccuracies have been corrected. 

If these errors are not corrected promptly, I will escalate my complaint by seeking legal remedies under the FCRA. Please address this issue immediately and confirm the corrective actions taken. 

Sincerely, 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 explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint concerning the inaccurate reporting of multiple late payments by TransUnion. According to their records, several payments are falsely reported as late. These alleged late payments were made on time, yet this incorrect information remains on my credit report, causing harm to my credit score.

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 2025-03-17 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: MN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 XXXX of the following hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, or hard inquiries as reported. The aforementioned accounts, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BEACON FINANCIAL CORPORATION
State: MA

Complaint narrative:
On XX/XX/year>, I transferred {$200.00} from this bank to my XXXX  XXXX XXXX checking account. However, I was unexpectedly charged a {$3.00} Funds Transfer fee, with no prior notice during or after the transfer process. This fee caused my account balance to go negative, resulting in two {$35.00} overdraft fees, also applied without notice. All fees resulted from the {$3.00} Funds Transfer fee and were charged secretly without any notifications. Furthermore, the Funds Transfer fee was not properly disclosed when I opened my account online. When I contacted the bank, they only agreed to refund the {$70.00} overdraft fees.

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 2025-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SECURITY CREDIT SYSTEMS INC
State: VA

Complaint narrative:
Company contacted me saying I owed a debit and was extremely rude and trying to intimidate me. I reported the gentlemen. All communications stopped until today when I received a notice of a missed payment and that I should make a payment to their office as soon as possible to avoid revocation of payment agreement. There was never any type of agreement made written or verbal to make payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: FL

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2025-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: WI

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 inconveniences and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : 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 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Fees charged
Company: Lil' Wave Financial, Inc.
State: CA

Complaint narrative:
I have been with the XXXX Superior Loan Servicing company since XXXX of XXXX. In XXXX of XXXX, I had missed a payment, however, I did not realize that I had missed it since I had it set up on auto pay. I just received a bill from XXXX Superior Loan Servicing that shows I owe {$2000.00} in late fees for the month of XX/XX/XXXX. I called XXXX Superior Loan Servicing and asked how that could be. They stated that because I haven't paid the XX/XX/XXXX invoice, I have accrued {$2000.00} in late fess from XX/XX/XXXX to present. Now, I have paid every payment from XX/XX/XXXX through present day, but XXXX Superior Loan Servicing feels that they have the right to charge me {$2000.00} in late fees for XXXX missed payment. I've been paying on this loan in total from XXXX Superior Loan Servicing from XX/XX/XXXX to present day. I don't know how I owe {$2000.00} in late fees for missing the month of XX/XX/XXXX. I explained to XXXX Superior Loan Serving that this fee of {$2000.00} is excessive and that it doesn't make sense. My payment is only {$1300.00} How could the late fee be greater than my payment amount. This is usury. I explained how upset I was, and that I felt as though I was being cornered into paying this excessive fee, but he stated that he didn't care and did not want to hear it, and that basically it was " too bad ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: AL

Complaint narrative:
" I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent.

You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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 a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I've marked as inaccurate ( XXXX, XX/XX/year>, XXXX XXXX XXXX  ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Netspend Corporation
State: GA

Complaint narrative:
Account Number : XXXX Claim Number : XXXX Claim Date : XX/XX/year> Claim Amount : XXXX Dear Netspend, I hope this message finds you well. I am writing to formally request a reinvestigation of several disputed items associated with my account, as I believe the initial investigation was not conducted thoroughly. According to your policy, investigations typically require XXXX to 90 days to ensure a comprehensive review of the circumstances surrounding the disputes. However, I noticed that my recent investigation was completed in just 10 days, which raises concerns about the adequacy of the process. 
The FDIC provides insurance coverage for depositors accounts. This means that if the bank fails, the FDIC will reimburse depositors for their insured deposits up to a certain limit, which is currently {$250000.00} per depositor, per insured bank, for each account ownership category. I asked for detailed documentation on how your investigation led to your final decision. Nothing was provided. I will now file a claim with the CFPB about the laws your company has violated and failed to comply with. 
Being FDIC insured is a sign that the financial institution adheres to certain regulatory standards and practices aimed at maintaining its financial stability and protecting depositors. I am requesting that the fraudulent transactions be placed back in my depository account immediately Merchant Date Amount THIS IS IT 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 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 explanation
Consumer complaint received 2025-03-17 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

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 2025-03-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
THEY CLOSED AN ACCOUNT BY RUNNING AN APPLICATION AGAINST MY WILL. THEY ALSO REFUSE TO GIVE ME AN ALTERNATE CARD READER BECAUSE THERE CARD READER DOESNT WORK.

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 2025-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: DC

Complaint narrative:
Cashapp, Is Asking Me To Verify My Account By Asking For My Social Security Number. When I Signed Up with Cashapp It Was Used As A Way To Collect Funds From People For Personal Or Business Usage.

Cashapp Is A Third Party Company And They Are NOT A Bank!

No Where In There Terms And Agreements Did It States That Your Social Security Number Was Needed To Use The Account.

I AM NOT PROVIDING CASHAPP SUCH INFORMATION.

The Social Security Number Is A Sensitive And Valuable Piece Of Information That Should Not Be Used For Such Purposes.

I Need To Get My Funds Off Of Cashapp So I Can Close The Account Once And For All.

They Also Restricted My Sons Account So I Have No Way Of Retrieving My Funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: CLGF Holdco 1, LLC
State: NC

Complaint narrative:
XXXX XXXX has continued to report incorrect information to my consumer report. I have disputed this information multiple times stating I have no knowledge of this account however they continue to report this negative information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: FL

Complaint narrative:
I moved out of in apartment complex after lease was completed. 
XXXX gave a sixty day notice as well. Even though the apartment had numerous issues such as black mold pipes constantly bursting and flooding the apartment and mode. I never received any written or email correspondence. Stating that I owed any money. I even have old emails saying that I would just be moved out of the system that XXXX when my lease was officially up. Fast forward and I have a XXXX XXXX XXXX dollar in some odd change, lean on my credit. I have tried to dispute it with all credit bureaus numerous times As well as with pro collect itself, only to be hung up on and no debt collection letter to be provided. I reached out to the apartment complex requesting this for the last 3 years and 2 months. And never received anything if my emails get kicked back. I get proof that i'm being blocked and nobody has been able to provide any proof this debt is valid or of mine. I even tried to reach out to the apartment complex over the last XXXX months and even again today and they are telling me they have no records of this debt. I have done dispute after dispute only for no resolution to be found or no. Letter to be provided still. Every time I call pro collect I get hung up on and they're rude.And they save horrible things to me. I need this to be resolved, as I am trying to move and find a better home for my children and I. Just the way pro collect is treating me is atrocious. And quite frankly disgusting customer service. I would like this to be completely removed off my credit.As this is not a valid debt.

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 2025-03-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
I was having many problems with citi bank. My debt card always locking and not being able to access my account with my personal information. Every time I give them personal information they tell me it's not correct, but it is. I eventually closed my account because of this. Today XX/XX/year> I was told by the state I needed proof of this account being closed to keep my health insurance. I called citi bank with my name, social security number, and bank account number, and again they would not give me the information I requested.

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 2025-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filling a compliant against Cash App ( Block , Inc . ) due to inadequate customer service and unfair practices, which violates 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