vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: TX

Complaint narrative:
I kindly request that you update and validate the items I previously mentioned, as they are still incorrectly reported on my account. I have already provided all the necessary details for this Matter.

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 2025-03-26 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: VA

Complaint narrative:
I had fraud on my account and asked cash app to start the arbitration process and the customer service rep on chat just told me cash app doesn't offer arbitration support but it is in the terms and conditions. Cash app keeps breaking the law and nothing is.being done about it. Information was changed on my closed account which then fraud was commit and now saying doesn't offer arbitration. This company is a joke.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: NY

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: OK

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I saw on my report that they had the incorrect address listed. They had listed " XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. This is incorrect because it does not exist. They " corrected '' it but deleted my actual address as well. Now it gives me an error message and I cant access 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 2025-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
On XXXX Bank of America FrauXXXX called me, about XXXXXXXX XXXX XXXX, and asked if I had applied for a card in California. I told them that I did not. They said they canceled the application and gave me their cancellation number of XXXX. This was for a card with the last XXXX digits of XXXX. 
After they did that they generated a XXXX XXXX XXXXXXXX. 
They then transferred me directly to CFPB. 
The person at CFPB ( XXXX XXXX said that this was going to take a while to complete. I told him that I had to leave for work. He then told me to call back on XXXX, but it had to be after XXXX XXXX XXXX He gave me the following number ( XXXX ) XXXX. 
After looking up CFPB, online, it seemed odd to me that he insisted I call back after XXXXXXXX XXXX. 
I decided to submit this complaint online since the call in number posted online was XXXX and the times listed to call were 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 2025-03-26 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 reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: NV

Complaint narrative:
I am disputing VERIFICATION METHODS OF Cavalry Portfolio Services , LLC on this alleged debt referenced in your communications and to demand immediate VERIFICATION of the debt under the Fair Debt Collection Practices Act ( FDCPA ), Regulation F, and other applicable laws. In addition, I am bringing to your attention a discrepancy in the balance amounts reported on my account. Specifically, the balance reported on XX/XX/XXXX was {$2300.00}, but the balance reported on XX/XX/XXXX was changed to {$0.00}. This inconsistency raises concerns regarding the accuracy and validity of the alleged debt. 

As of this date, you are required to provide the following information to verify that you have the right to collect the alleged debt from me : A complete and legible copy of the original contract or original purchase agreement that created the alleged debt. This must include all signatures of all parties involved in the transaction. 

A full and accurate copy of the original creditor 's agreement, including all original terms and conditions, along with any addenda, amendments, and riders to the agreement. 

Proof of the chain of ownership of the alleged debt. This includes proof of assignment of the debt from the original creditor to the current owner. The proof must show a continuous chain of ownership from the original creditor to the current holder without any break in the chain. 

A complete and accurate accounting history of the alleged debt, including a full breakdown of every payment made towards this debt, the dates of such payments, and the date of first delinquency that led to the collection status. This information must be provided directly from the original creditor. 

Proof that Cavalry Portfolio Services , LLC is legally authorized to collect on this alleged debt in the state of Nevada, including providing a copy of your third-party debt collection bond for Nevada. This is a legal requirement under Nevada state law. 

Additionally, I request that you provide proof of the XXXX XXXX XXXX XXXX XXXX case and any applicable rulings regarding the legally required notices that must be sent to a consumer before collections can commence. I require this evidence to ensure compliance with all legal requirements under the FDCPA. 

Furthermore, as outlined in Regulation F, which went into effect on XX/XX/XXXX, you are required to provide clear and accurate documentation regarding the debt, as well as ensuring that all communications are compliant with these updated regulations, including accurate and timely notices. 

As required under the FDCPA, I hereby demand that you cease and desist from attempting to collect on this alleged debt. Additionally, I request that you immediately delete this alleged debt from my consumer profile with all credit reporting agencies, including XXXX, XXXX, and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I would like to explain that my consumer report was accessed and shared by certain reporting companies without my consent and for purposes not permitted by law. This unauthorized use has resulted in negative collections being reported on my credit file. I request that these negative entries be removed from all my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
The first two claims that were denied starting XX/XX/year> were denied twice after a so-called review I have asked for the information that was used to make this determination citizens Bank has not comply with sending me so called information used to deny the first XXXX claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: FL

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i )
( 3 ). They must be deleted from my report.

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 2025-03-26 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: MI

Complaint narrative:
I kindly request that you update and validate the items I previously mentioned, as they are still incorrectly reported on my account. I have already provided all the necessary details for this Matter.

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 2025-03-26 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 XXXX 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 collections account opened at XXXX XXXX XXXX XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX 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 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 2025-03-26 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 requesting the removal of the unauthorized inquiry on my report. I have already met all the necessary requirements and provided the required documentation for its deletion. I kindly ask that this be addressed promptly.

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 2025-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: ND

Complaint narrative:
With Cash app Ive been going back-and-forth for XXXX years with XXXX cash app $ XXXX and $ XXXX emails XXXX and XXXX doing investigations on these because XXXX cant get into them. I would use my phone number and my other emails and I got was able to log onto XXXX more accounts that are unknown in my name. I did report them and I got nowhere with customer service. These XXXX cash tags are $ XXXX and XXXX XXXXXXXX and ones linked to my phone number XXXX and another the other ones linked to my email which is XXXX but the info in there the XXXX thats with my phone number has some email that Ive never even known existed because I didnt do it and the XXXX XXXX XXXX has involved that I didnt even know existed and I cannaccess those but theyre closed the XXXX to XXXX that I have been disputing for XXXX years. I no longer have access. It says I cant verify my identity on XXXX and then the other XXXX it says closed to violation of the rules I have provided screenshots when I did have access to them to Cash app and then cash app. Keep sending me the same response every single time. The first response is the CFPB already settled out, but Im not on that and then the other one is they cant find verify my identity and then finally the last one is for me to give them all my cash tags all all the information again and Ive been giving them all the information for years just the last month. I gave him the information five or six times they were running me around in circles and people opened accounts of my name, and then XXXX of my accounts were hacked and taken over also Ive never received a cash app card and device I had at the time was a XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: OK

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Roosen, Varchetti & Olivier, PLLC
State: GA

Complaint narrative:
In XXXX, I was sued by RVO Law on behalf of XXXX XXXX XXXX XXXX XXXX ( XXXX  ) for a private student loan debt. I hired a lawyer and settled the case. Since then, Ive made regular monthly payments under the settlement agreement and am now near the end of the payment plan ( as of XX/XX/XXXX ). 

On XX/XX/XXXX, I attempted to contact RVO Law by phone to confirm my remaining balance and ask for documentation related to the debt. The representative said she could not find my account and transferred me to a line that did not work. When I called back, the call was disconnected. As a result, I was never able to request or receive any information. 

My concern is that recent CFPB enforcement actions against XXXX in XXXX revealed widespread issues with lawsuits being filed without proper documentation or legal standing. Given that I was sued and settled during that period, I want to confirm whether my debt was part of the affected group and whether the company had legal authority to collect. 

I am requesting a review of my case, including : Whether my loan was legally documented and transferred Whether I may be eligible for redress under the CFPBs settlement Assistance in obtaining proper debt validation I have prepared a formal debt validation request to send to RVO Law, but I am filing this complaint due to their lack of responsiveness and inability to locate my account despite ongoing payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i )
( 3 ). They must be deleted from my report.

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