vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-25 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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-01-25 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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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:
Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverified accounts unresolved. The CFPB has recently filed a lawsuit against Equifax, 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 that Equifax has neither corrected nor removed despite the evidence I have provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifax 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: World Omni Financial Corp.
State: FL

Complaint narrative:
I filed a dispute on Credit Karma about an account closed with XXXX to get removed off my credit report after I had already paid everything off and they gave me no reason as to why it was still left on my report negatively affecting my credit score til this day.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp.
State: PA

Complaint narrative:
RE : Notice of Violation of the Credit Agreement Greetings, I have recently viewed my credit report and I noticed something strange as it pertains to what you are reporting to the 3 major credit bureaus. Upon signing up and accepting the terms of the credit associated with these accounts, it is written in the agreement that all disputes should be handled via arbitration. Unfortunately, there has been no filing or initiation of arbitration from either party. This is a material breach of the arbitration agreement we had. To add to that, you continued in those efforts and sold this debt to a third-party debt collector after have charging it off. 

I am certain you were able to communicate the details of your dispute before deciding to breach the contract. It can be safely assumed that you were willfully neglectful in your duties to uphold the agreement set forth by this company. 

This letter is a humble attempt at seeking to have this discrepancy resolved both promptly and amicably. 

With that, my demands are as follows : You must promptly notify any credit reporting agency to remove all information and/or tradelines associated with this account. I request a written confirmation of that communication to be sent to the address you have on file ; A settlement agreement that I may retain for my records. 
Monetary compensation in the amount of {$1000.00}. 

While I do not desire or anticipate that your negligence may force me to purse further legal action, that option will be explored. If that needs to happen, you are subject to a significant increase in demands to cover damages, attorney fees, and more. I am sure a company of your caliber does not look to unreasonably be exposed to those routes. 

Thank you for your immediate attention to this matter. We look forward to resolving this issue promptly. 

Sincerely, XXXX XXXX. Account XXXX : XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to inform you that I am a victim of the recent data breach involving Equifax. Due to this breach, I am requesting that all accounts mentioned in my credit report be blocked and deleted pursuant to 15 U.S.C. 1681c-2 ( a ). The fraudulent information associated with my identity theft has caused significant harm to my credit, and I expect immediate corrective action. 

Fraudulent 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I demand that these accounts and inquiries be blocked and permanently deleted from my credit file. Failure to comply with this request will leave me no choice but to pursue legal action. If these fraudulent accounts and inquiries are not removed promptly, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) and will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 

To ensure compliance, I request written confirmation by [ Insert Date : Four Business Days from the Date of this Letter ] that the fraudulent accounts and any related unauthorized inquiries have been fully removed from my credit report.

This matter is both urgent and time-sensitive. You are now officially on notice. Immediate action is required to address this issue and protect my credit. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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: GA

Complaint narrative:
I am filing a complaint against XXXX for failing to propery investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-01-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: MARINER FINANCE, LLC
State: IN

Complaint narrative:
" I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolve. I request immediate investigation and removal of this, as it is incorrect and does not reflect my true credit history. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
This all occurred between XX/XX/year>, and XX/XX/year>. I did not authorize any of the charges to Apple during this period.

After noticing the unauthorized transactions, I contacted Apple directly. They refunded about half of the charges and labeled them as fraud. When I asked why not all of the charges were refunded, I was informed that there was not enough information and was advised to contact my credit card company that is an apple card with Goldmansacks, which I did. The credit card company refunded a select few of the charges, but I am still left with a significant number of unauthorized charges on my account. I have made XXXX rounds of disputes, but none have resulted in a satisfactory resolution. 

Additionally, I reached out to XXXX, and they have confirmed that the account XXXX was closed due to fraudulent activity. 

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$21.00} I am particularly troubled by the fact that Apple and goldmansacks has selectively refunded some of these charges, and advised me to contact you to resolve the remaining unresolved charges. 

I have also made various complaints, all of which have been unresolved and without follow-up. Below are the case numbers for your reference : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-25 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: VA

Complaint narrative:
XXXX XXXXXXXX Account XXXX Putting previously deleted errors back on credit reports and failing to block identity- theft related information : Equifax did not have systems to detect information that was previously removed and block that information from again appearing on the consumers credit report. In addition, Equifax also had no process to identify situations where a consumer is forced to send another dispute about the same inaccurate information because Equifax failed to correct the information the first time, or because Equifax reported information that had previously been corrected. Equifaxs policies limited consumers ability to dispute inaccurate information being put on their credit report. Finally, Equifax reported credit information that it should have blocked because the information resulted from identity theft.

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, theEQUIFAX, block information appearing on my consumer report that is result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened with XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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:
XXXX XXXX XXXX Account # XXXX open XX/XX/year> reported on all XXXX credit bureau XXXX XXXX, XXXX, and Transunion without my knowledge or approval. I've sent letters and made calls to the company and disputes to all XXXX credit bureau 's about this account and they have not done the proper research to remove this account from my credit report. This is not my account and there is no way to contact them.

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 2025-01-25 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:
XXXX XXXX XXXX Account # XXXX open XX/XX/year> reported on all XXXX credit bureau XXXX  XXXX, Equifax, and XXXX without my knowledge or approval. I've sent letters and made calls to the company and disputes to all XXXX credit bureau 's about this account and they have not done the proper research to remove this account from my credit report. This is not my account and there is no way to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: FL

Complaint narrative:
I am writing to formally dispute the inaccurate personal information listed on my credit report. Upon review of my report, I have identified incorrect addresses, and previous places of employment that do not belong to me or are outdated. These errors are as follows : Incorrect/Outdated Addresses : [ XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Inaccurate Employment Information : [ XXXX XXXX XXXX ] Under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act, credit reporting agencies are required to maintain reasonable procedures to ensure the maximum possible accuracy of the information included in consumer credit reports. The inclusion of these inaccuracies violates this requirement and misrepresents my personal information, potentially leading to improper evaluations by creditors and others relying on my credit 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
Consumer complaint received 2025-01-25 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: AR

Complaint narrative:
I did not approve this inquiry, nor did I have any conversation with this lender on the given date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: TX

Complaint narrative:
Please read this complaint seriously and see the attached file. It's been such a long time that I have been trying to fix the errors being reported on my credit report, but to no avail. My requests to correct this incorrect information kept getting ignored and I had enough. This has affected all aspects of my life negatively ; it's taking a toll on my XXXX XXXX that I wouldn't even be able to afford help because of my low credit score due to these errors.

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 2025-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MD

Complaint narrative:
I received a XXXX form from XXXX ( Block Inc. ) indicating that I was a payee in XXXX " card-not-present '' transactions, totaling {$2400.00}, for tax year XXXX. I have no knowledge of these transactions. Obviously, I was the victim of fraud/identity theft, where a criminal obtained my name, address, and XXXX through a breach of some kind and used that information to open a payment account in my name. Wanting to close this account immediately, I contacted XXXX asking them how I could do this promptly, and unfortunately they made no effort to address this matter in any assertive manner. After speaking to both an anti-fraud and customer service representative ( I put my husband on the phone to speak with the latter ) we were told that our only recourse was to go online to close the account. However, there would be no way to access the account because the criminal used a novel email address/phone number that I can't access. We were finally told that, even though the XXXX XXXX  was open, they could not close the account because they have so many other requests. Instead, I would receive an email within XXXX business days with instructions on how to close an account. But I made the call on XXXX, meaning that fraud will continue to be committed in my name over the weekend. When my husband challenged the customer service representative to ask why they weren't taking more concerted action to help me, the representative 's response was : " Well, your wife is not a customer. '' This is just unacceptable. An actual customer stole my information, opened an account I can't access using my personal information, and I am powerless to do anything about it. With cash.app so unwilling to respond to this matter with any assertiveness, they are essentially an accessory to the crime. Unbelievable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: OH

Complaint narrative:
Subject : Dispute of Late Payment Charge for XX/XX/year> To Whom It May Concern, I am writing to formally dispute the late payment charge applied to my XXXXXXXX XXXX XXXX account for the billing period of XX/XX/year>. Pursuant to 15 U.S.C. 1666b, which governs the timely crediting of payments, I believe the late fee was assessed in error. 

Federal law requires that payments be credited to an account on the date they are received, provided they meet the creditors reasonable payment requirements. My payment for XX/XX/year> was submitted in compliance with these requirements and should have been credited promptly. Below are the details supporting my claim : XXXXPayment Submission : I made my payment on XX/XX/year>, which was prior to the due date of [ XX/XX/year> ]. Enclosed with this letter is documentation of the payment, including [ proof of payment, such as a bank statement, payment confirmation email, or screenshot from your online banking system ]. 
XXXXTimely Crediting Requirement : Under 15 U.S.C. 1666b, creditors are obligated to promptly credit payments received on time. If there was a delay in processing my payment, that is XXXX  responsibility, and I can not be penalized for it. 
XXXXCompliance with Reasonable Requirements : I followed all reasonable payment instructions provided by XXXX, including [ examples, such as mailing the payment to the correct address or using the designated online payment system ]. If there were any unclear or unreasonable requirements that delayed the crediting of my payment, this also falls outside the scope of what can legally result in a late fee. 

Given that my payment was made on time and complied with all reasonable requirements, I respectfully request that the late fee and any associated interest charges for XX/XX/year> be removed from my account. 

If you disagree with my position, I ask that you provide documentation showing either ( a ) that my payment was received after the due date, or ( b ) that I failed to comply with reasonable payment instructions. Absent such evidence, I trust you will resolve this matter promptly in my favor. 

Thank you for your attention to this matter. I look forward to your response. 
Respectfully XXXX XXXX XXXX without prejudice

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 2025-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent an 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