vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Block, Inc.
State: AL

Complaint narrative:
I was sent a Cash App visa card but I never requested XXXX. It came with my prior married name ( XXXX ) with my current address. On the envelope there was a sticker from the post office saying they were unable to forward the card. So I'm worried someone ordered it in my name and attempted to have it forwarded to their address possibly. I first tried to call the cash app company but they were closed already. Saw that I could file with y'all on redit as others have had the same issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: NC

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: GA

Complaint narrative:
In accordance with fair credit reporting act. This creditor has violated my rights. Under 15 U.S.C.1681 602 states that I have the rights to privacy 15 U.S.C . 1681 604A section 2 It also states that a consumer reporting agency can not furnish an account without my written instruction. Under 15U.S.C.1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

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 2025-01-28 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: GA

Complaint narrative:
In accordance with fair credit reporting act. This creditor has violated my rights. Under 15 U.S.C.1681 602 states that I have the rights to privacy 15 U.S.C . 1681 604A section 2 It also states that a consumer reporting agency can not furnish an account without my written instruction. Under 15U.S.C.1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

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 ( EFSA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I speak appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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 proce 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 48 financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-01-28 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: MD

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX 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, XXXX '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 The following are accounts I am complaining against under my XXXX report XXXX Report And Transunion report XXXX XXXXXXXX XXXX XXXXXXXX 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 2025-01-28 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: MD

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX 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, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding The following are accounts I am complaining against under my XXXX report Experian Report And XXXX report XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2025-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Amsher Collection Services, Inc.
State: PA

Complaint narrative:
Disputed on XXXX and XXXX. 
Took it off and put it back on my credit report. 
{$300.00} Pursuant to the Fair Debt Collection Practices Act 15 U.S Code 1692 I would like to remove this unauthorized account from my credit report. 
Arbitration Process in pursuant to 15 U.S Code 1681 a ( w )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: Early Warning Services, LLC
State: TX

Complaint narrative:
Consumer ID : XXXX Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : State identification ID Number : XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX I am writing to request an investigation that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : 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 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 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 XXXXXX/XX/XXXX I don't recognize the following accounts in question. I'm a victim of identity theft and i don't recognize these accounts on my report. I'm requesting the following information to be deleted from my Early Warnings Consumer report immediately! I've attached a copy of this request. 

Thank you for your assistance. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally submit a complaint against TransUnion regarding their refusal to remove unauthorized inquiries and accounts from my credit report. Ive submitted several disputes along with an FTC report proving this was the result of identity theft. The following accounts are appearing on my credit report and are inaccurate : 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 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 These unauthorized inquiries and accounts are damaging my credit score and affecting my ability to obtain credit. I believe that TransUnion is not complying with the Fair Credit Reporting Act ( FCRA ) by failing to correct this inaccurate information.

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 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Complaint Type : Credit Reporting Subject : Violation of IRS Regulations & FCRA Improper Charge-Off Reporting & Inaccurate Credit Reporting Details of the Complaint : I am filing this complaint against the following creditors for violating IRS regulations XXXX the Fair Credit Reporting Act ( FCRA ), and consumer protection laws by improperly reporting charged-off accounts and alleged late payments on my credit report. 

1. Improper Charge-Off Reporting According to IRS regulations ( IRS Form 1099-C, Cancellation of Debt ), when a creditor charges off an account and reports the cancellation of debt to the IRS, the amount is considered income for tax purposes. Once a debt is charged off and reported as a canceled debt, it can no longer be reported to the credit bureaus as an outstanding balance or active derogatory account. 

Despite this legal requirement, the following creditors continue to report charged-off accounts on my credit report, which is an illegal practice and constitutes double jeopardy in financial reporting : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
2. Improper Alleged Late Payment Reporting Additionally, under FCRA 15 U.S.C. 1681a ( d ) ( 1 ), creditors are prohibited from reporting " transactions and experiences '' directly with the consumer to credit bureaus. These accounts should not be reported as alleged late payments in violation of consumer protection laws. Despite this, the following creditors have improperly reported alleged late payments on my credit report : ADS Comenity NY & Co. 
ADS Comenity Victorias Secret Laws Violated : IRS Regulations ( IRS Form 1099-C & Tax Code ) Once a debt is canceled and reported as income to the IRS, it can not be simultaneously reported as a collectible debt on credit reports. 
Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681a ( d ) ( 1 ) Creditors can not report " transactions and experiences '' related to internal bookkeeping or charge-offs as active derogatory accounts. 
Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) Prohibits the reporting of inaccurate or misleading information to credit bureaus. 
Relief Sought : Immediate removal of the improperly reported charge-off accounts. 
Immediate deletion of the alleged late payments. 
A formal investigation into the ongoing violations and unfair reporting practices. 
Compliance assurance from the creditors that they will follow IRS and FCRA laws regarding charge-offs and canceled debts. 
I request the Consumer Financial Protection Bureau ( CFPB ) to take immediate action to enforce federal regulations and protect my rights. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: Paypal Holdings, Inc
State: AL

Complaint narrative:
So I made a personal XXXX account and had deposits made into account and made withdrawals then a week later I made another XXXX account to be my business XXXX account. I was not aware that doing this was violating terms on XXXX as I am new to XXXX app. They then proceeded to freeze both accounts until I verified my identity by sending two forms of identification to them, which I uploaded documents on the link sent to me via email and a day later they unfroze one of my accounts and not the other. Now the other account they did not unfreeze has {$700.00} total in it. After I made multiple attempts to get in contact with XXXX support I finally heard back and they told me I needed to let them know which XXXX account I wanted to keep. So I replied and told them which account I wanted to keep & once again sent two forms of my identification just in case. Then three days later I finally heard back from them saying they have suspended BOTH accounts and I will no longer be able to use XXXX and they were putting my funds on a 180 days hold. Even though I have email showing where they asked me which account I would like to keep then all of a sudden they suspend both with no reasoning why. This is also after Ive spoken with several ppl on the phone and one of them telling me that I would be able to transfer the funds to my bank account that was linked to my XXXX account and it said that it sent but then it came back to XXXX and transfer was incomplete. I have made several attempts to ask XXXX support why I can not have MY funds released to my bank account and then my XXXX account be completely closed. I apologized for violating terms that I did not mean to do so and asked what I could possibly do to have my funds released to me immediately. I told them I could send other forms of proof of identification or I would do whatever they needed for me to be able to have MY OWN MONEY. They responded one last time saying again my funds were on a 180 days hold for loss prevention purposes ( whatever that means ) and that they would no longer be responding to any more of my emails from this point forward and that the case was closed. I again asked if they would please just tell me what I can do have my funds released and close both accounts for good. And I havent heard one word back. This is insane. Can they really keep my own money for 6 months and then say they will send me an email SHOULD MY FUNDS BE AVAILABLE TO BE RELEASED TO ME IN THE NEAR FUTURE. Like theres a chance that I might not ever get my money back. I need to know what I can do to get my {$700.00} off of my account. Ive never experienced anything like this in my life and I will NEVER recommend anyone to use XXXX or any business associated with them after this. PLEASE HELP. AND BEWARE OF USING XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: TX

Complaint narrative:
I am writing to formally submit a complaint against Equifax regarding their refusal to remove unauthorized inquiries and accounts from my credit report. Ive submitted several disputes along with an FTC report proving this was the result of identity theft. The following accounts are appearing on my credit report and are inaccurate : 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 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  These unauthorized inquiries and accounts are damaging my credit score and affecting my ability to obtain credit. I believe that Equifax is not complying with the Fair Credit Reporting Act ( FCRA ) by failing to correct this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: GA

Complaint narrative:
Equifax is currently reporting inaccuracies on my credit report again. XXXX XXXX XXXX XXXX XXXX, ACCOUNT NUMBER XXXX is reporting as 4 years, 6 months and 26 days. 
How is this possible when this account is over ten years old and over the statue of limitations ; paid in full years ago ; and has been removed from XXXX and XXXX. Why is it so hard for equifax to abide by consumer laws and report the right information on people 's credit report. I'm stating now, that XXXX XXXX does not have the permission or right to sell my personal information to anymore collection agencies. This account should not be reporting, it's too old and violating my rights AGAIN.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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:
Upon checking the data breach by Equifax I realized an account this due to fraudulent activity. It is an account from XXXX XXXX XXXX. Also.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are inquiries I did not authorize This account is causing me financial hardship due to this data breach I'm seeking financial compensation for this account hurting my credit and making me vulnerable to threat.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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