vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-08 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: NY

Complaint narrative:
I am frustrated that I have to dispute all these inquiries on my credit report I have been utilizing credit in the USA for the past 4 years. I would never give anybody permission to use my social information are harming me. I know how to go to the bank I know this wasnt me I will never play with my credit like that my rights have been violated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: NY

Complaint narrative:
I am frustrated that I have to dispute all these inquiries on my credit report I have been utilizing credit in the USA for the past 4 years. I would never give anybody permission to use my social information are harming me. I know how to go to the bank I know this wasnt me I will never play with my credit like that my rights have been violated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2025-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: OH

Complaint narrative:
Target {$1700.00} sent several dispute letters requesting the correct debt validation including the original contract with signature, proof of collection authorization, and payment history. One of the dispute letters was sent in XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
My father, XXXX XXXX, has repeatedly used my information to gain credit on his behalf as you can see from the aliases on my credit report. I have disputed this information as not accurate with Equifax and also as fraud on numerous occasions, only for it to be reported verified with no other recourse or deep digging. I need these removed from my report as they do not belong to me. It is affecting my ability to refinance my home for a fixed rate. Please see attached images

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
They did not notify me that I have a right to dispute or negotiate

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 2025-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: WA

Complaint narrative:
I am filing a complaint against CashApp ( block , inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( cfpa ). Specially 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 2025-02-08 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: FL

Complaint narrative:
These accounts were open by fraud. 


XXXX XXXX XXXX XXXXXXXX BALANCE {$410.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX BALANCE {$300.00}

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 2025-02-08 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:
These accounts were open by fraud. 


XXXX XXXX XXXX XXXXXXXX BALANCE {$410.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX BALANCE {$300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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: NY

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the presence of an unauthorized and fraudulent account appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ), you are legally required to ensure the accuracy of the information reported and to conduct a thorough and fair investigation when a consumer disputes an error. 
The account and inquities in question, are listed below, does not belong to me and was fraudulently opened without my knowledge or consent. This false information is negatively impacting my credit profile, and I demand that it be immediately removed from my report. 
Additionally, as recent enforcement actions by the Consumer Financial Protection Bureau ( CFPB ) have demonstrated, consumer reporting agenciesincluding yourshave engaged in unlawful practices such as : Conducting sham investigations that fail to properly address consumer disputes. 
Uncritically accepting inaccurate information from furnishers, even when it is clearly unreliable. 
Reinserting previously removed inaccurate data without proper verification, in direct violation of the FCRA. 
I will not tolerate any such violations in the handling of my dispute. As required by federal law, you must conduct a proper investigation, communicate directly with the furnisher, and provide me with a clear resolution. If this fraudulent account is not removed immediately, I will escalate this matter by filing formal complaints with the CFPB, the Federal Trade Commission ( FTC ), and my states Attorney Generals office. 
Enclosed, I have provided a identity theft reports, FTC reports, to further support my claim. I expect written confirmation that this account has been permanently deleted from my credit report within the 30-day period required by law.

Failure to comply will result in legal action to enforce my rights under the FCRA and seek damages for any harm caused by your failure to uphold your legal obligations. I trust that you will handle this matter with the seriousness it deserves. 
I expect a prompt response and resolution no later than XXXX XXXX XXXX Sincerely, the follwoing Items need to be reoved XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and the following credit Inquiries need to be removed also I never asked for anyone to pull my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: NY

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the presence of an unauthorized and fraudulent account appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ), you are legally required to ensure the accuracy of the information reported and to conduct a thorough and fair investigation when a consumer disputes an error. 
The account and inquities in question, are listed below, does not belong to me and was fraudulently opened without my knowledge or consent. This false information is negatively impacting my credit profile, and I demand that it be immediately removed from my report. 
Additionally, as recent enforcement actions by the Consumer Financial Protection Bureau ( CFPB ) have demonstrated, consumer reporting agenciesincluding yourshave engaged in unlawful practices such as : Conducting sham investigations that fail to properly address consumer disputes. 
Uncritically accepting inaccurate information from furnishers, even when it is clearly unreliable. 
Reinserting previously removed inaccurate data without proper verification, in direct violation of the FCRA. 
I will not tolerate any such violations in the handling of my dispute. As required by federal law, you must conduct a proper investigation, communicate directly with the furnisher, and provide me with a clear resolution. If this fraudulent account is not removed immediately, I will escalate this matter by filing formal complaints with the CFPB, the Federal Trade Commission ( FTC ), and my states Attorney Generals office. 
Enclosed, I have provided a identity theft reports, FTC reports, to further support my claim. I expect written confirmation that this account has been permanently deleted from my credit report within the 30-day period required by law.

Failure to comply will result in legal action to enforce my rights under the FCRA and seek damages for any harm caused by your failure to uphold your legal obligations. I trust that you will handle this matter with the seriousness it deserves. 
I expect a prompt response and resolution no later than XXXX XXXX XXXX Sincerely, the follwoing Items need to be reoved XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and the following credit Inquiries need to be removed also I never asked for anyone to pull my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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: LEXISNEXIS
State: NJ

Complaint narrative:
LexisNexis stated they verified certain inquires on my consumer report but fail to disclose method of verification

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: SC

Complaint narrative:
On XX/XX/year> I mailed letters stating that these companies are in violations of code 15 USC 1681- Permissible Purpose.

15 USC 1666B- Timing of Payment 15 USC 1637B- Statement required with each billing cycle.

15 USC 1681 i- of this title state " report containing solely as to transaction or experience between the consumer an the furnisher making the report '' an a late payment is considered a transaction. 


It has been over 45 days an i have not got a response back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc.
State: SC

Complaint narrative:
On XX/XX/year> I mailed letters stating that these companies are in violations of code 15 USC 1681- Permissible Purpose.

15 USC 1666B- Timing of Payment 15 USC 1637B- Statement required with each billing cycle.

15 USC 1681 i- of this title state " report containing solely as to transaction or experience between the consumer an the furnisher making the report '' an a late payment is considered a transaction.

It has been over 45 days an i have not got a response back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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:
My name is XXXX XXXX I am formally disputing inaccurate information on my credit report in accordance with 15 U.S.C. 1681i. I did not authorize the reporting or release of my personal information to the companys listed below. This is a violation of my consumer rights to privacy, as they have no legal basis to report anything under my name.

Furthermore there are unauthorized inquiries on my credit report that I did not initiate. Which constitutes a case of identity theft. Pursuant to 18 U.S.C. 8. I do not owe any debt to these entities, and I demand the immediate deletion of the items and inquiries in question to correct my credit report. 

Please address this matter promptly and confirm the removal of the disputed entries.

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 2025-02-08 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: CA

Complaint narrative:
My name is XXXX XXXX I am formally disputing inaccurate information on my credit report in accordance with 15 U.S.C. 1681i. I did not authorize the reporting or release of my personal information to the companys listed below. This is a violation of my consumer rights to privacy, as they have no legal basis to report anything under my name.

Furthermore there are unauthorized inquiries on my credit report that I did not initiate. Which constitutes a case of identity theft. Pursuant to 18 U.S.C. 8. I do not owe any debt to these entities, and I demand the immediate deletion of the items and inquiries in question to correct my credit report. 

Please address this matter promptly and confirm the removal of the disputed entries.

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 2025-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Fold, Inc.
State: CT

Complaint narrative:
Approximately XX/XX/XXXX I initiated a transfer from my Fold account which is operated by XXXX XXXX to transfer {$15000.00} from my XXXX XXXX XXXX  to my Fold. 

Fold apparently has a {$15000.00} deposit limit per day and the day that the money was set to clear I also coincidently got paid from a contracting job. 

On XX/XX/XXXX I got a notification that the transfer failed. I didnt know why, contacted support and learned because the total amount that was being transferred in on that day exceeded their {$15000.00} daily limit. ( Pic attached ) I contacted support asking about these funds as my XXXX bank shows this money has cleared, it is not pending. ( Pic attached ) Contacting Fold the informed me it has been sent back and sent me the trace info ( pic attached ). XXXX has no record of this and can not see these traces other than them being complete. 

They then told me that Id have the money by Friday the XXXX and if I didnt get it ; to contact them. 
( Pic attached ) I contacted Fold on the XXXX and havent heard anything. This money has effectively been in limbo now for 2 weeks tomorrow. I need it to pay bills that Ive now gotten late fees for. This is insane to have to wait 14 days and I want my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: CA

Complaint narrative:
I am writing to file a formal complaint regarding an error on my credit report with Equifax. A charge-off account has been inaccurately reported by XXXX XXXX XXXX, but it was not reported to Equifax, despite the account being fully paid off. 

While the account is reflected as a charge-off on XXXX and XXXX, it does not appear at all on my Equifax credit report. This discrepancy among the three credit bureaus is causing inconsistencies in my credit profile. I have already provided proof of payment to the creditor showing that the debt has been fully resolved. 

Under the Fair Credit Reporting Act ( FCRA ), Equifax is required to ensure that all information reported is accurate and consistent. I am requesting an investigation into why this account was not reported to Equifax and that the accurate, paid-off status is updated accordingly to ensure uniformity across all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: GA

Complaint narrative:
On XX/XX/year>, I contacted TransUnion to dispute multiple inaccurate and unverifiable accounts that are being reported on my credit file. The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Under the Fair Credit Reporting Act ( FCRA ) 1681i, TransUnion is legally required to conduct a reasonable investigation into disputed items and obtain direct documented proof from the original creditor. However, when I contacted TransUnion to dispute these accounts, I was transferred multiple times, disconnected twice, and was ultimately told that the accounts had been verified electronicallywithout any actual documentation being provided. 

This verification method does not comply with federal law. According to FCRA 609, I have the right to obtain ALL documentation used to verify these accounts, including : 1. The original signed contract for each disputed account 2. Full payment history and ledger statements from the original creditor 3. Proof of the original creditors lawful right to collect and report this debt *TransUnion failed to provide ANY of the above documents, which means these accounts are unverifiable. If an account can not be properly verified with direct evidence from the original data furnisher, it must be deleted immediately under FCRA 1681i. 

Additionally, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have all failed to meet their obligations under FCRA 623, which states that creditors and data furnishers must report only accurate and fully verifiable information. Since these accounts contain multiple reporting inconsistencies, and TransUnion has failed to provide direct verification, these accounts are in violation of federal law and must be deleted from my credit file immediately. *

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 2025-02-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: GVA Holdings, LLC
State: CA

Complaint narrative:
struggling to pay back payday loans with 699.9988 % interest rate.,

Company response to consumer: Closed with explanation