vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/year> I asked another party to send funds to my CashApp and provided them with my cash app tag ( unique identifier ). The funds were sent and canceled because CashApp flagged the payment and offered no reason as to why the payment was canceled on their end. This affects my ability to live and pay bills. Both of their chat and phone support offered no resolution and just except me to try the transaction again without a guarantee that it won't even happen again. 

The phone line asked about the CFPB and I can see why. It seems that they have implemented measures to just stop any transaction they deem suspicious without offering any reason at all to the end consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: CA

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX This complaint is being filed with the Consumer Financial Protection Bureau ( CFPB ) to formally request, under FCRA 605B ( 15 U.S.C. 1681c-2 ), that TransUnion promptly block and remove fraudulent information from my consumer credit report within four ( 4 ) business days of receiving this request. 

The fraudulent, inaccurate, and false information in question includes : To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : XXXX. XXXXXXXX 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 Please remove it from my credit report. 

XXXX. Account XXXX ; XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Account Number : XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

These fraudulent accounts have led to : Unauthorized hard inquiries Incorrect collection accounts False entries impacting my FICO credit report I have attached : A list of the fraudulent hard inquiries A copy of my TransUnion FICO credit report reflecting these false accounts A Federal Trade Commission ( FTC ) Identity Theft Criminal Complaint ( XXXX, verifying that these accounts, collections, and hard inquiries were not initiated by me and are the result of identity theft. 

I do not recognize nor authorize the accounts, collections, or inquiries listed above. As per FCRA 605B, I request immediate action to block and remove these fraudulent entries from my credit repot

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 2025-03-31 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company 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 2025-03-31 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: TX

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : XXXX XX/XX/year> Equifax XXXX XX/XX/year> Equifax XXXX XXXX XXXX XX/XX/year> Equifax XXXX XX/XX/year> Equifax XXXX XX/XX/year> Equifax XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX, XX/XX/year> Experian XXXX XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX XX/XX/year> Experian Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: ID

Complaint narrative:
1. Vanilla Gift Card was purchased on XX/XX/year> and an XXXX grocery store for {$75.00}. 

2. Attempted to use at a XXXX 's store on XX/XX/year>. Vendor did not properly split payment and tried to charge more than the {$75.00} balance. 

3. Card was locked and unable to be used. 

4. Contacted the card customer service ( Vanilla Gift ) as instructed online to resolve the issue. This call was directed to an AI operator attempting to get me to sign up for XXXX coverage and purchase medical equipment. Given the number called was the one on the card, I presumed this was a scam and hung up. 

XXXX. Contacted the card customer service a second time ( Vanilla Gift ) as instructed online to resolve the issue. This call was not directed to the XXXX scam. Requested that card be unlocked and explained the circumstances XXXX. Call center representative refused to unlock card and stated that they would only send me a new card if I provided my personal details. 

XXXX. I informed customer service that I was uncomfortable providing them my identifying information, was in physical procession of the card with full balance and simply wanted it unlocked. 

XXXX. Customer service still refused, even after informing them I would be reporting the situation to all state and federal agencies. 

XXXX. I hung up from the call and began reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: LA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ENCORE CAPITAL GROUP INC.
State: AR

Complaint narrative:
I have been getting overwhelmed with the tactics these people are using it's Midland credit management XXXX and portfolio recovery and XXXX XXXX XXXX they changed the dates I opened the accounts I haven't opened anything since XXXX XXXX and they're saying I opened stuff last year and In XXXX. XXXX XXXX keeps threatening to come to my home

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: TX

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 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 2025-03-31 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:
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 2025-03-31 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: NY

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

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 2025-03-31 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: KEYCORP
State: TX

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: NJ

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a formal complaint against XXXX XXXX ( XXXX ) for violating the Fair Credit Reporting Act ( FCRA ) by reporting a business credit card account on my personal credit report and failing to provide me with the legally required 30-day notice to dispute the debt before reporting it to the credit bureaus. 

Violations by XXXX XXXX : Unlawful Reporting of Business Account Business credit card accounts should not be reported on my personal credit report unless explicitly agreed upon in writing. However, an XXXX business credit card collection has been improperly reported under my personal credit history, negatively impacting my personal credit score. This is a misrepresentation of my consumer credit obligations and violates my rights under the FCRA.

Failure to Provide 30-Day Notice Before Reporting to Credit Bureaus Under the Fair Debt Collection Practices Act ( FDCPA ) and Section 623 of the FCRA, I am entitled to receive a written notice before negative information is furnished to consumer reporting agencies. I never received such a notice, depriving me of the opportunity to dispute or validate the debt before it was reported. This omission is a direct violation of my consumer rights. 

I request that the CFPB investigate XXXX for these violations and require them to immediately remove this improper collection from my personal credit report. Additionally, I seek confirmation of XXXX policies regarding reporting business credit accounts on personal credit reports. 

Thank you for your attention to this matter. Please keep me informed of any developments in the investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sunnova Energy Corporation
State: MD

Complaint narrative:
This account is inaccurately reported as a personal liability. In reality, it pertains to a property owned by my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ], and is not a personal obligation. At the time of signing, I acted solely as the managing member of the LLC, not in a personal capacity. Furthermore, I received written assurance from the companys representative that this account would not affect my personal credit. 

Enclosed are copies of : 1. The text message from the company representative confirming that the account would not impact my personal credit.

2. Documentation evidencing the propertys ownership under my LLC.

I kindly request that you investigate this matter and remove the inaccurate account from my personal credit report. Please inform me of the outcome of your investigation at your earliest convenience.

Company response to consumer: Untimely response
Consumer complaint received 2025-03-31 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
I keep receiving phone calls about this debt that I already paid off.

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 2025-03-31 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: NJ

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: NJ

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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:
Experians wrecking my credit report ( dated XX/XX/year> ) with XXXX fraudulent negative accountstwo XXXX ( both Paid in full, was past due 60 days ), XXXXXXXX XXXX XXXX ( Paid in full, was past due 60 days ), XXXX XXXX XXXX ( Paid in full, was charged off ), XXXX XXXX ( Account charged off ), XXXX XXXX XXXX ( {$9200.00} balance , XXXX ), XXXX XXXXXXXX XXXX  XXXX ( Paid in full, was charged off ), and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX bankruptcy dismissals ( filed XXXX ). These are tanking my credit with Potentially negative flags and derogatory indicators, despite no active delinquencies. The CFPB nailed Experian on XX/XX/year>, with a {$15.00} XXXX fine for sham investigationsdumping consumer evidence, swallowing furnisher lies, and reinserting trash ( XXXX XXXX XXXX, CA ). These accounts are unverifiable : no Metro 2 Base Segments ( Field XXXX, bytes XXXX ), no payment history ( Field XXXX, bytes XXXX ), no charge-off codes ( Field XXXX, bytes XXXX ), and the XXXX bankruptcies violate the XXXX limit ( 15 USC 1681c ). XXXX and XXXX XXXX may be time-barred under Georgias XXXX statute ( O.C.G.A. XXXX ). Experians violating FCRA ( 15 USC 1681i ) and Metro 2Ill sue under 15 USC 1681n and hit the furnishers under 1681s-2 ( b ) if this isnt fixed.

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 2025-03-31 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX Date : XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX : XXXX Dear Sir/Madam : Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name ( s ) : XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX to Be Reported : Full Name : XXXX XXXX XXXX XXXX Social Security XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX I have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report. 

Additionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities.

Request for Investigation and Procedures Pursuant to Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation. 

Additional Request Please note that any automated response generated through the e-OSCAR system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements. 
I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above. 

Request for Correction I request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section 611 of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within 30 days, as required by law. 

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

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief