vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-29 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: NC

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 2025-04-29 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: MS

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. I do not recognize XXXX XXXX as a creditor. I do not have a contract with XXXX XXXX. XXXX XXXX had admitted to being a servicer and not a creditor and by law the definition of a servicer is someone who mediated contracts after they have been fulfilled. XXXX XXXX has used my personal information without my consent and I demand that this information be removed by law. XXXX XXXX violates consumer laws as well as the Privacy Act of 1974. XXXX removal of account is demanded. I do not have an online account with Aid Vantage and I REVOKE ANY ASSUMED POWER OF ATTORNEY over my person in connection with any alleged debt. There is no valid contract between XXXX XXXX ( servicer ) and XXXX XXXX. Any transfer of assignment without agreement, consideration, value, meeting of the minds is hereby rendered Null and Void and without supported proof through a signed affidavit under penalty and perjury is violation of consumer rights

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 2025-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT

Complaint narrative:
On XX/XX/XXXX I deposited a check that was originally issued to me from my external bank XXXX in the sum of {$50000.00}, as requested it was taken out from my savings account. After receiving the check in the mail, I went to the closet Citizens Bank close to me in XXXX XXXX Few days I had travel and while in XXXX XXXX FL the funds was made available for my use as seen on my mobile app. I went into the closest branch while in XXXX XXXX FL to make a wire transfer and it was processed as requested but a day later my account and funds were held and placed under review. 
I called the customer service line and express my concerned as they told me they couldn't give me an answer but my account has been place under review which lasted until XX/XX/XXXX. I received a later stated my deposit was misapplied so the funds will be returned back and my citizens account will be closed which there was no reason for this decision. Few days later my account was close and my check for {$50000.00} hasn't been returned back to my XXXX  account. 
The investigation department from XXXX XXXX  open a new case and tried to recover the funds back into my account but to no avail because the check status has been cashed by citizen bank and they won't provide information on how my funds was returned. Each time I called having a representative from discover speak to a supervisor from citizens that hang up. 
I tried calling several times, spoke to different manager all were rude and disrespectful and gave different info each time regarding my funds but I should contact my bank since they sent it to XXXX  which was untruthful. In XXXX after so much calling and pressure I was told by XXXX of citizen banks supervisor it was returned via ACH to my XXXX XXXX  and I should have them trace the funds but citizens bank won't provide me with the transaction number so Discover can trace the funds. This has been an issue recovering my missing funds by XXXX while Citizen bank has been rude, untruthful and refuse to disclose how my where my funds are and also provide me with the ACH transaction number which was also requested by XXXX Bank since it was claimed that sent it back electronically. It has been frustrating issue going back and forth dealing with citizens bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent 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 2025-04-29 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX  AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Account Name : DEPTEDXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Account Name : DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : DEPTEDNELNET # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : DEPTEDXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Balance - {$880.00} UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MO

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 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this complaint against Equifax Information Services LLC for its failure to comply with its obligations under the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/XXXX, I mailed a formal dispute letter to Equifax, requesting an investigation into inaccurate items appearing on my credit report, as well as the correction of erroneous personal information listed therein. To facilitate verification of my identity and address, I enclosed copies of my government-issued photo identification, Social Security card , and a recent utility bill reflecting my current address.

Despite providing all necessary documentation, I did not receive any acknowledgment, response, or the results of an investigation from Equifax. 
On XX/XX/XXXX, I sent a second dispute letter via mail, reiterating my concerns. Once again, Equifax failed to respond. In a final effort to resolve the matter, I mailed a third dispute letter on XX/XX/XXXX. To date, Equifax has not responded to any of my dispute submissions. 
Pursuant to Section 611 of the FCRA ( 15 U.S.C. 1681i ), Equifax is legally required to conduct a reasonable reinvestigation upon receiving a consumers dispute regarding the accuracy or completeness of information in their credit file. Equifaxs repeated failure to investigate or provide a timely response constitutes a violation of my rights under federal law. 
In support of this complaint, I am providing copies of my dispute letters, along with proof of mailing and delivery confirmations. 
I respectfully request that the Consumer Financial Protection Bureau take appropriate action to compel Equifax to comply with the FCRA. Specifically, I demand that Equifax immediately and permanently delete the disputed inaccurate items from my credit report and confirm the corrective action in writing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I loaded my Cash app with {$1000.00} to pay an individual for a tree removal service. The money loaded into my cash app account fine taking money from my bank 's checking account. I then attempted to pay the individual and at first the cash app said payment successfully but then a minute later cash app said payment failed. The individual I was trying to pay also received a payment failed notice on their side and they did not receive the money. My cash app account then said the money would be refunded back to my bank within 5 to 10 business days but the money was never returned to me. I contacted cash app and they said that the money was returned to my bank telling me to contact my bank. I called my bank and they confirmed they never received the money back into my account. I asked cash app to send me proof of the refund transaction but cash app said they don't do that. I been going back and forth with cash app and still haven't received my {$1000.00} back. I contacted the better business bureau and cash app keeps saying that they don't have the money. It's been over 30 days and still nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: IL

Complaint narrative:
I placed calls to Experian for over two hours using various numbers and each time was directed to an automated system that would not transfer me to a human being. None of the options on their automated system represented the issue I was having ( identity verification for an XXXX XXXX XXXX and an error code I received when trying to create an account on Illinois XXXX to get my records for College. Illinois XXXX gives an error code to Experian in case of failure to automatically verify however there is no option to enter this code on their system. 
I was finally able to get through to an agent but that agent refused to help me and transferred me back to the automated system. I could hear he was on his personal cell phone. Another agent also eventually refused to help and she was on her personal home phone with a barking dog in the background. This company handle very sensitive information, Social Security Numbers and other sensitive identifying information and agents should not be at home where other 's can overhear these conversations when speakerphone is on. I have included a screenshot of the timeline of these calls and the time it took attempting to reach a person at Experian.

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 2025-04-29 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: VA

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * - Date Opened XX/XX/XXXX Account Name : XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-04-29 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: Affirm Holdings, Inc
State: CO

Complaint narrative:
I do not recognize these charges and i have asked for them to be removed and the bureaus did not do as i assked. I am providing an identity theft report and i am requesting them to be removed because they are inaccurate and not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of Engelhardt v Gravens ( mo ) 281 SW715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove this account before I seek litigation for defamation of character ) XXXX XXXX acct # 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 2025-04-29 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: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of Engelhardt v Gravens ( mo ) 281 SW715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove this account before I seek litigation for defamation of character ) XXXX XXXX acct # XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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:
Under XXXX XXXX. XXXX ( a ) ( XXXX ), consumer reporting agencies are strictly prohibited from furnishing consumer credit information without explicit consent from the consumer. I affirm that I did not consent XXXX the furnishing or reporting of the following items : XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XX/XX/year> Equifax XXXX XX/XX/year> Equifax TEXAS CAR ON XX/XX/year> TransUnion XXXX XX/XX/year> TransUnion Despite my lawful request, you have continued XXXX report collection activities without furnishing the required verification or providing documentation such as a judgment.

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 2025-04-29 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: TX

Complaint narrative:
Under XXXX XXXX. XXXX ( a ) ( XXXX ), consumer reporting agencies are strictly prohibited from furnishing consumer credit information without explicit consent from the consumer. I affirm that I did not consent XXXX the furnishing or reporting of the following items : XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XX/XX/year> Equifax XXXX XX/XX/year> Equifax TEXAS CAR ON XX/XX/year> TransUnion XXXX XX/XX/year> TransUnion Despite my lawful request, you have continued XXXX report collection activities without furnishing the required verification or providing documentation such as a judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of Engelhardt v Gravens ( mo ) 281 SW715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove this account before I seek litigation for defamation of character ) XXXX XXXX acct # 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 2025-04-29 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: TX

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
In a previous complaint with CFPP about Equfax I asked them to remove inaccurate addresses and a collection on my account they have not removed either. The other companies that were included in the request XXXX and XXXX  have corrected and removed the incorrect information relating to a collection. I have exhausted my many attempts with them and ask for immediate removal of the collection on my account as there is only one for XXXX XXXX that should have been deleted when initially requested I have lived at my current address of XXXX XXXX XXXX XXXX Nevada XXXX and before that XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: CT

Complaint narrative:
In reviewing my credit report, I discovered that XXXX XXXX XXXX XXXX XXXXs reporting an account as Paid, Closed ; was 120 days past due. This account shows a pattern of delinquencies from 30 to 120 days prior to being closed in XX/XX/XXXX. 

I disputed this information with XXXX Experian, and XXXX on XXXX XXXX, XXXX, under my rights granted by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). I also sent a direct dispute to XXXX on XX/XX/XXXX, requesting verification and documentation supporting the reported delinquencies in accordance with FCRA 15 U.S.C. 1681s-2 ( b ). As of the time of this complaint, XXXX has either not responded or has failed to provide sufficient documentation to substantiate the accuracy of the reporting. 

The Fair Credit Reporting Act requires that any information reported must be accurate and verifiable. If a furnisher of information ( XXXX in this case ) can not fully verify the data with supporting documentation, the information must be corrected or removed. 

I am requesting that XXXX provide complete verification of the alleged late payments or immediately instruct the credit bureaus to delete this negative reporting. Continued reporting of unverifiable or inaccurate data constitutes a violation of the FCRA.

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