vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CT

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

Company 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 2025-03-03 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:
XX/XX/scrub> 2024 I was XXXX for XXXX XXXX and I had somethings that was on my report like a car and a loans and phones and I wrote the credit bureau showed the proof that I was incarcerated at the time of the said charges amd they still told me it was my debt everything

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 2025-03-02 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:
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 2025-03-03 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: KY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you the TransUnion credit reporting agency remove/block information appearing on my consumer credit report that is the result of identity theft fraud within 4 days of you receiving this complaint. This fraudulent, inaccurate and false information consists of a personal loan account opened at XXXX XXXX XXXX on XX/XX/year>2022 under acct # XXXX. An auto loan account opened at XXXX XXXX on XXXX XXXX, 2022 under acct # XXXX. 
I do not recognize the aforementioned accounts listed in this complaint. The aforementioned accounts appearing on my credit report maintained by you were not open, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud I have attached a copy of a FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud. 

ATTACHMENTS : Identification Consumer Reports FTC Identity Theft Affidavit

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 2025-03-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: VA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Affirm , Inc., a financial services company, due to ongoing and unjustified account restrictions that have prevented me from making my loan payments since XX/XX/XXXX. Despite numerous attempts to resolve the issue, Affirm has failed to take any meaningful action. 

Since XX/XX/XXXX, Affirm has repeatedly blocked my account for suspected fraud without any valid reason or prior notice. I have had to contact their customer service multiple times, including in XX/XX/XXXX and again on XX/XX/XXXX, to request access to my account so that I can make my required loan payments. Each time, Affirm representatives have promised to send an email for account verification, but I have never received any such email or follow-up communication. 

This repetitive cycle of account restrictions, lack of follow-through, and failure to escalate my concerns has caused unnecessary frustration and financial hardship. I am unable to make payments on my loan due to XXXX negligence, and I am concerned that this may negatively impact my credit standing. I have repeatedly asked for my case to be escalated, yet I continue to face the same issue every few months without resolution. 

Requested Resolution I respectfully request the CFPB to intervene and require Affirm to : 1. Immediately and permanently unblock my account so I can make my payments without further disruptions.

2. Provide written assurance that I will no longer face wrongful account suspensions.

3. Ensure my payments are properly processed and that I am not penalized for missed payments due to their negligence.

4. Compensate me for any financial damages, including late fees or potential credit score impacts, caused by their repeated account restrictions.

If this matter is not promptly resolved, I will be left with no choice but to escalate my complaint further, including filing grievances with the XXXX XXXX XXXX XXXX XXXX  ), my states Attorney Generals Office, and the Federal Trade Commission ( FTC ).

I appreciate your assistance in this matter and look forward to a prompt resolution. Please feel free to contact me at XXXX or XXXX for any additional information. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
I was notified via email on Thursday XXXX, XXXX from XXXX XXXX that I have been placed into collections for unpaid rent at the XXXX @ XXXX XXXX XXXX in XXXX TX from XX/XX/XXXX. Only problem I have never lived there. When I called XXXX the representative told me to submit a claim and then contact the collection agency. I did both. Same day I spoke to XXXX different representatives from the collection agency XXXX XXXX XXXX XXXX located in XXXX, TN. XXXX of the reps informed me that will be calling police to arrest me today if I do not pay the debt and dropped my call. XXXX other reps told me to XXXXXXXX XXXX  including their manager and that I should XXXX XXXX. The last representative was very helpful XXXX was her name. She looked into the debt and she was able to confirm that I never lived as I lived in another city at that time, and that the apartment complex filed it under as an individual not a company with various key missing information that was not making sense as it was all wrong information about me. She explained the company per their business practices will never release information to anyone who requests it unless they pay, I cited TX law saying the debt owner must live in the state to legally enforce the debt. I had to pay $ XXXX to receive the information I need to know why this was placed on me. The representative explained that per their company policy they will release all information to me within XXXX. I never received my information, and I am still being harassed by their agents and the apartment complex too.

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

Complaint narrative:
My Credit report was exposed to a data breach. My identity has been used to open false accounts and put late payment history on my reports.

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 2025-03-03 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:
My Credit report was exposed to a data breach. My identity has been used to open false accounts and put late payment history on my reports.

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 2025-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am writing to file a formal complaint regarding the unjust closure of my Chase checking account. My account number is XXXX. I was informed that my account was closed without any prior notice or explanation. As a result, I am currently unable to pay my rent and bills, which is causing me significant distress. 
I have been a loyal customer of Chase and have always maintained my account responsibly. The sudden closure of my account has left me without access to my funds, and I have not received any valid reason for this action. I kindly request your assistance in investigating this matter and helping me resolve it as soon as possible. 
Please find my details below for your reference : Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, NY XXXX Account Number : XXXX I would appreciate a prompt response, as I urgently need to access my funds to cover my living expenses. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: UT

Complaint narrative:
I intended to send money to a person on cashapp but needed up sending to someone with a similar account name I immediately request my {$40.00} back and the account XXXX XXXX $ XXXX he declined my request and blocked me refusing to send my money back. Cashapp advocates refused to make it right because I dont know the persons information email and telephone number I intended to send money to and rhat has nothing to do with my money not being returned from XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: LA

Complaint narrative:
I, XXXX XXXX, at one point had the cashapps $ XXXX and $ XXXX. i know longer access to the email or phone numbers associated with the 2-step verification. 
I am wanting to merge all accounts to $ XXXX ( the account i am currently using ). 
I have answered questions to my previous addresses and other information on multiple interactions with the company and still no resolve.

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

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a XXXX at XXXX XXXX XXXX XXXX XX/XX/XXXX for {$130.00}, an XXXX XXXX opened at XXXX on XX/XX/XXXX for {$220.00}. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my the consumer credit reports maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a XXXX at XXXX XXXX XXXX XXXX XX/XX/XXXX for {$130.00}, an XXXX XXXX opened at XXXX on XX/XX/XXXX for {$220.00}. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my the consumer credit reports maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Over 4 years a report was posted to my consumer credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
TransUnion is not allowing for me to dispute and review my credit report. For the last 10 days I have been unable to access any credit report. Each time I try their website which is daily and I click on dispute my credit it will not work. The page does not load and says come back later. This has been on going since XX/XX/XXXX. My call to transunion also did not solve my issue. And today, I went back to the transunion website do dispute my credit report and still am unable to pull my credit report up and dispute my credit.

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 2025-03-03 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: LA

Complaint narrative:
Ever since TransUnion and Equifax had a data breach, wrong information has been appearing on my credit report, i have tried many times to get this information removed to no avail. I attempted as late as of today. 

I need help with getting my credit report cleared up. This is causing extreme hardship for myself and my 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 2025-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Dispute of Inaccurate Information Pursuant to 15 U.S.C. 1681i ( a ) Dear XXXX, I am writing to formally dispute inaccurate information that appears on my credit report. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ), I am requesting a reinvestigation of the following item : Account Information : Please provide a signed contract from the third party indicating the debt against me.

I believe its possible fraud and/or inaccuracy.

Creditor Name : Portfolio Recovery Assoc Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$780.00} Account Type : Debt Buyer ( Third Party ) Description of Inaccuracy : This item was purchased by a Third Party Debt Collector, Portfolio Recovery Associates This account must be deleted as the status is not correct, the amount is not correct, and the account was paid for less than owed by the Third Party Debt Collector. 
I believe that the information listed above is inaccurate and does not reflect my true credit history. In accordance with 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I am requesting that you conduct a reasonable reinvestigation to determine the accuracy of the disputed information. 
I kindly request that you contact the furnisher of the information to verify the accuracy of the disputed item. During this reinvestigation, I ask that you consider any documentation or evidence that I may provide to support my claim of inaccuracy.

I understand that, under 15 U.S.C. 1681i ( a ) ( 3 ) ( A ), you are required to complete the reinvestigation within 30 days of receiving this dispute, unless you notify me that an extension is necessary. 
If, after your reinvestigation, it is determined that the information is inaccurate, incomplete, or can not be verified, I expect the prompt removal or correction of the disputed item from my credit report. 
Please send all correspondence regarding this matter to the address listed above. I appreciate your attention to this dispute and your compliance with the FCRA regulations. 
Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX Subject : Dispute of Inaccurate Information on My Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information that appears on my credit report as prepared by your agency. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, I am entitled to dispute errors and request an investigation into the accuracy of the information.

The specific item ( s ) I am disputing are as follows : 1. [ Creditors Name or Account Name ] o Account Number : [ Provide account number if available ] o Dispute Reason : [ Briefly explain why the information is incorrect. For example, " This account was paid in full, '' or " I have no knowledge of this account. '' ] I have included copies of supporting documents ( e.g., payment receipts, correspondence, or statements ) that substantiate my claim. Please review these documents and conduct a thorough investigation into this matter.

If the disputed item ( s ) can not be verified or corrected, I respectfully request that it/they be removed from my credit report as required by the FCRA. Additionally, I would like a written confirmation of the results of your investigation and an updated copy of my credit report. 
Below are the inquiries : XXXX XXXXE XXXX  XXXX XXXX XXXX, 2023 XXXX XXXX  XXXX XX/XX/year>2023 Thank you for your prompt attention to this matter. Please feel free to contact me if additional information is required Sincerely, 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 2025-03-03 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: TX

Complaint narrative:
I am writing to report a collection account that I have no knowledge of, which was recently brought to court. The account was filed in the courts of XXXX, Texas, and after reviewing the case, the judge ruled in my favor, dismissing the case entirely. 



I had no prior knowledge or notice of this alleged debt, and I believe the collection account is either inaccurate or not mine. Despite my lack of familiarity with the account, the case was taken to court, where I was able to present my position. The judge agreed with my arguments, and as a result, the case was dismissed. 



I am concerned that this collection account is still being reported on my credit or is being pursued incorrectly, and I am requesting that this matter be investigated and resolved in accordance with the law. 



Please find attached any relevant documentation, including the courts judgment of dismissal, for your review. 



Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The information reported on these reports is in accurate. Could you please verify it?

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