vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
My Cash App account was hacked, resulting in unauthorized transactions and a breach of my personal information. Upon discovering the fraudulent activity, I attempted to resolve the issue using the support icon in the app and disputing the transactions. However, the resolution process was frustrating and inadequate. Not only was there no accessible way to speak with a live representativeleaving me to rely solely on the in-app chatbut it also took over a month and a half of disputing the issue before I finally received my funds. 

This incident highlights the weak security measures within Cash Apps systems, which allowed fraudsters to gain access to my account and caused significant financial loss and inconvenience. It also underscores broader concerns raised by the CFPB about Cash Apps inadequate fraud protections and lack of effective customer support. I am seeking accountability for the disruption and financial harm this incident caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: CA

Complaint narrative:
I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This letter serves as formal notice of my intent to dispute the accuracy and completeness of these unfamiliar entries currently reported under my name in your credit database.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This letter serves as formal notice of my intent to dispute the accuracy and completeness of these unfamiliar entries currently reported under my name in your credit database.

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 2025-01-23 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: LA

Complaint narrative:
Consumer Name XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX 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 credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, a student loan account opened at DEPT OF EDXXXX on XXXX, a credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. 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 consumer credit report 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. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit 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 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Dating back to XXXX XXXX XXXX XXXX XXXXXXXX. was furnishing and reporting falsified and misleading information on my consumer reports from XX/XX/XXXX until XX/XX/XXXX prior to our court proceedings in which Judgment was awarded in favor of the defendant which is me XXXX XXXX listed as XXXX XXXX in the complaint this judgment was made in the XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX by the Honorable XXXX XXXX XXXX on XXXX XXXX. No Debt was ever owed to XXXX XXXX XXXX XXXX. All furnished data to the consumer report was falsified and misleading which has caused harm to me as a consumer this has ruined my reputation and credit worthiness due to this misleading information that was furnished and illegally parked on my consumer report without proper investigation of the matter. Once a judgment was made in my favor, they then removed it from the credit report. Under the Fair Credit Reporting Act ( FCRA ), if you find misleading or inaccurate information on your credit report, you have the right to dispute it, and the credit reporting agency is obligated to investigate and correct or remove the information if it can not be verified as accurate ; essentially, the FCRA protects consumers against the reporting of misleading information on their credit report. I have made other complaints in the past to the cfpb as well as Experian in regard to this matter in which everything came back as verfied. When i raised and questioned the verification i was told it was verfied proper investigation into this matter was not conducted but they still continued to furnish the information without proper investigation. Investigation required : Once a dispute is filed, the credit bureau must investigate the information within a reasonable time frame, usually 30 days. Furnisher responsibility : The entity that provided the information to the credit bureau ( the " furnisher '' ) also has a responsibility to verify the accuracy of disputed information and update it if necessary.

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 2025-01-23 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: TX

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
Consumer complaint received 2025-01-23 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: MI

Complaint narrative:
These are the accounts I have marked inaccurate : - XXXX XXXX XXXX ( {$320.00} ) - XXXX XXXX XXXX XXXX ( {$17000.00} ) - XXXX XXXX XXXX XXXX ( {$8300.00} )

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 2025-01-23 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: AZ

Complaint narrative:
On XX/XX/year> I mailed out a letter disputing XXXX inaccurate accounts that are being listed on my credit report with this bureau. I requested that the bureau would verify this information and upon seeing that this is indeed inaccurate, I requested that the inaccurate accounts would be removed from my credit report. I provided everything the bureau would need to verify my identity and move forward with my dispute, but the bureau did NOT move forward with this dispute, they did not provide me with a response or with any information to prove the existence of these XXXX inaccurate accounts. This bureau violated my rights under the fair credit reporting act by refusing to cooperate with my request for validation of the information they are listing.

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 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
On XX/XX/year> I mailed out a letter disputing XXXX inaccurate accounts that are being listed on my credit report with this bureau. I requested that the bureau would verify this information and upon seeing that this is indeed inaccurate, I requested that the inaccurate accounts would be removed from my credit report. I provided everything the bureau would need to verify my identity and move forward with my dispute, but the bureau did NOT move forward with this dispute, they did not provide me with a response or with any information to prove the existence of these XXXX inaccurate accounts. This bureau violated my rights under the fair credit reporting act by refusing to cooperate with my request for validation of the information they are listing.

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 2025-01-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Commenity BankXXXXZales XXXX XXXX XXXX and XX/XX/year>. I am filing this complaint regarding inaccurate items on my credit report that continues to negatively impact my credit. Despite my efforts to resolve these issues over the years directly with the reporting agency, it remains unresolved. I request an investigation and removal of these items as it is incorrect and does not reflect my true credit history. 
AccounXXXX XXXX XXXX & XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am having XXXX issues that I would like corrected. 

1. Payment History for the XXXX XXXX account has not been updated since XXXX. The company/creditor has submitted payment history both on XX/XX/XXXX and XX/XX/XXXX. I have attached the screenshots of the company email for confirmation of payment history update. Can we PLEASE update the payment history to reflect current date. 

XXXX. I have paid off the installment loan for XXXX XXXX strong . I have attached documentation from the company for you to verify. Can we please update the account to reflect paid in full.

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 2025-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: GA

Complaint narrative:
It was in XX/XX/year> dollars mysteriously was gone out of my cash app account I thought my card was hacked so I ordered another card but the cash app support claimed they didn't see it so I said I guess I'm out of money wondering could yall help if not I just lost the money for good

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Early Warning Services, LLC
State: NC

Complaint narrative:
XXXX XXXX XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681o, to conduct a reasonable reinvestigation of disputed information on my credit report. This failure has resulted in the continued presence of inaccurate or unverifiable accounts on my credit report, causing me harm. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer under 15 U.S. Code 1681o. I reserve the right to pursue all available legal remedies under the FCRA, including but not limited to those outlined in 15 U.S. Code 1681n and 1681o, if this matter is not resolved promptly and accurately. The following items to be removed are as follows : Bad Checks, Collections, and Charge-offs I should have none of this reporting as I do not have any of those circumstances and they should not be shared.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: TX

Complaint narrative:
I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my XXXX XXXX. Despite my efforts to resolve this directly with the reporting agency, the issue remains unresolved. 

The inaccurate item ( XXXX ) incorrect balance, late payment incorrectly reported, or an account that does not belong to me.

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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit score. Despite my efforts to resolve this directly with the reporting agency, the issue remains unresolved. 

The inaccurate item ( XXXX ) incorrect balance, late payment incorrectly reported, or an account that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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:
I am a federally protected consumer, and I am fully aware of my rights as outlined in the Fair Credit Reporting Act ( FCRA ), including my right to privacy under 15 USC 1681a ( 4 ). This statement is being submitted by me, XXXX XXXX, and not by any third-party agency. I am attempting to resolve this matter directly and privately. Upon reviewing my credit report, I identified an account that is inaccurate and must be immediately deleted. The account in question is XXXX XXXX, Account XXXX : XXXX, with a date opened of XX/XX/year>. Equifax has violated my consumer rights under 15 USC 1681b ( 2 ), which governs the permissible purposes of consumer reports. According to the law, a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer to whom it relates. I have not provided Equifax or any other Credit Reporting Agency with written authorization or instructions to report this account. Reporting this information without my consent is a clear violation of federal law and the FCRA. Furthermore, this unauthorized reporting constitutes alleged identity theft, resulting in defamation of my character and causing significant personal and financial harm. This erroneous entry on my credit report has directly impacted my ability to secure a mortgage, leaving my family in a precarious and nearly homeless situation. The emotional and financial damages I have sustained due to this negligence are significant. I demand that Equifax immediately delete this inaccurate account from my consumer report. Additionally, I require a written response confirming the deletion of this account within 14 days, along with a new, updated copy of my consumer report reflecting these changes. Failure to address and resolve this issue will result in further legal action, as I will not allow my rights as a consumer to be disregarded.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: TX

Complaint narrative:
I recently reviewed a copy of my credit report, I discovered the following accounts that I did not authorize, open, or have any association with : XXXX XXXX XXXX Account Number : XXXX Amount : {$XXXX} Opened : XX/XX/XXXX XXXX XXXX XXXX  Account Number : XXXX Amount : {$XXXX} Opened : XX/XX/XXXX These accounts were not opened by me, and I have no knowledge of these debts or transactions. I have taken steps to secure my personal information and believe these accounts are a result of fraudulent. Please remove these accounts from my report, they are hurting my ability to obtain 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 non-monetary relief
Consumer complaint received 2025-01-23 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: AL

Complaint narrative:
Experian has failed to fulfill is legal obligation on the the fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation on dispute information on my credit report leaving inaccurate or unbearable information unresolved the Consumer Finance Protection Bureau Bureau ( CFPB ) has recently filed a lawsuit against experian alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where experian has either corrected nor removed disputed items the evidence I provided causing ongoing harm to my credit standing. I am requesting immediately corrective action to remove or amend the disputed accounts as experians inaction violates federal law and my rights 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 explanation