vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: NV

Complaint narrative:
My cash app account got suspended for needing additional verification, but i had the account for years and never and issue. I received no notification, no email, they just suspended my account where i have my direct deposit set up, that i use to pay my bills. All answers that i've been given are " we acknowledge your complaint '', and " we have no information to give you. '' It feels very weird and shady, and i just want my money to pay my bills its our livelihood and they are not being helpful and seem to care about resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: NC

Complaint narrative:
In 2022 I made a complaint about an payment that I had no clue about taken out my cash app I reach out to let cash app know about this unrecognized payment they told me theres nothing they can do about it. Why is the reason I thought cash app was here to help me with scammers that was money for my house which was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: Experian Information Solutions Inc.
State: VI

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were XXXX XXXX accurate under XXXX XXXX. XXXX ( XXXX ) Method of verification- Description of reinvestigation procedure

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 2025-03-25 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: VI

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were XXXX XXXX accurate under XXXX XXXX. XXXX ( XXXX ) Method of verification- Description of reinvestigation procedure

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 2025-03-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charged off XXXX XXXX Account XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/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 non-monetary relief
Consumer complaint received 2025-03-25 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Consumer name : XXXX XXXX XXXX Social Security XXXX : XXXX Consumer Date of Birth : XX/XX/year> Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. XXXX XXXX : XXXX, XXXX : XXXX, and XXXX : XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report, Ive attached a list of hard inquires in question as well as a copay of the consumer XXXX  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 results of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the results of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: National Credit Systems,Inc.
State: AR

Complaint narrative:
I filed a dispute on, XXXX, NATIONAL CREDIT SYSTEM due to incorrect information. XXXX denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( XXXX  ). 
They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! XXXX has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting a new car and home. XXXX violates my rights as a consumer, as well as federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
XXXX year ago, I sent a package using XXXX. I was to pay {$45.00} for this shipment. I was charged {$110.00} instead with no details given. I provided Apple Goldman Sachs my receipt stating that the charge should have been {$45.00}. I have been disputing this charge for the past year. Finally, after much mental duress, I paid it in full today since Apple refused to reopen the dispute, or send details about the charge or any communication with the merchant that they had had. Today, I closed this card as well, since I do not feel safe with their handling of my information should I be erroneously or fraudulently charged for something again while it was open. This will negatively impact my credit score.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-25 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: GA

Complaint narrative:
Consumer name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/year> Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, 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. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report, Ive attached a list of hard inquires in question as well as a copay of the consumer XXXX  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 results of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the results 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 2025-03-25 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
The account with Nissan Motor acceptance does not belong to me and is a result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I have no acknowledgment of this account XXXX  XXXX XXXX not only do I have no acknowledgment of this account. They keep reporting this every single month. 

I want to report I want to dispute some inaccurate and unverifiable information. 
I have filed a complaint with the credit bureaus, but they continuously are leaving this on my report without proper debt validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: IL

Complaint narrative:
It has come to my attention. My personal information was exposed and a national data breach upon revealing my credit reports I noticed accounts that I do not recognize I have requested debt validation from the credit reporting agencies under 15 U.S.C.1692G, but they have failed to provide the necessary information likely due to my compromise data as a result I have filed a complaint with the FTC regarding these unfamiliar accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have been trying to get my credit report from Experian for over 4 months. I have tried to verify my identity in every way possible. I have tried XXXX or so times over the phone only to be run in a loop, by a computer, to never talk to person, for it to instruct me to go to the website. Then, at the website I attempt to verify there and for it not to work and to tell me to call. Its an endless loop. There is a manual form but the website that accepts it is not working. I have sent it via the mail twice. I have had no results. 

I believe the report and lack of response is causing me harm and I have no way to contact the company. I have spent XXXX hours trying to remedy this matter, taking every possible action, to have no accountability or results from Experian.

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 2025-03-25 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: 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 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 2025-03-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
In XXXX I contacted all XXXX credit report companies, for credits reports and upon me receiving all three I began writing all three asking them all to remove items off of the accounts due to the fact that they were all paid off and I owed a XXXX balance. I actually went online and they were gone, but here we are in XXXX, XX/XX/XXXX to be exact and the inquiries are back on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: FL

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: UPGRADE, INC.
State: NY

Complaint narrative:
I have formally reported an error regarding incorrect information sent by the credit bureau through my email. I am disputing a mistake on my credit card statement and requested an investigation, but the company has failed to act. I expect immediate attention to resolve this matter. Furthermore, I request a confirmation receipt to ensure I am kept informed.

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: MA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: OH

Complaint narrative:
Experian, Transunion and 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 unverifiable accounts unresolved. The Consumer Financial Protection 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, Transunion and Equifax 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 and/or late payments, as Experian, Transunion, and Equifaxs 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
Consumer complaint received 2025-03-25 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In XXXX, I paid XXXX different times totaling over {$2500.00}. In XXXX, I opened up my App to see a late payment and my credit limit reduced by {$7000.00}. At this point, I contacted Citi Bank and was put through the ringer with over XXXX hours on Customer Service calls to get nowhere. I finally googled and found an " Executive '' Number to call. The lady informed me that this had to have been a mistake and an inspector would call within 15 days. He did not. Time passed and I called. He explained that I was late on my XXXX payment because the XXXX payments I made in XXXX did not apply to the next cycle. I have had this card for over 4 years and HAVE NEVER BEEN LATE. My credit is now down XXXX because they told me to apply to have my limit increased again. SHAME ON CITI BANK

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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I was under the impression that all loans were paid off in full. My parents took care of the loans after I graduated in XXXX, and We haven't received any paperwork since. 

I was applying for a mortgage, and the company pulled my credit on XX/XX/XXXX when I found out that XXXX had an outstanding loan listed in default. My credit up to this point was very good with a score in the XXXX 's for at least the last 5 years with all my bills being paid on time. 

The account was only put into default in XXXX of XXXX. XXXX claims to have been sending emails to a defunct email address that was used while in college. 
I immediately made payment ( on XX/XX/XXXX ) to bring the account back up to date and will be paying it off in full within the next week. 
I don't think it should be reported on my credit report and ruin my score which I have worked hard to keep when I obviously had the money to make payment and would not let it go into default. 
I explained all this to the representative at XXXX but they were uninterested in helping. They should at least have to send a notice through the US mail before making negative reports to the credit bureaus. 

Thank 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 explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I was under the impression that all loans were paid off in full. My parents took care of the loans after I graduated in XXXX, and We haven't received any paperwork since. 

I was applying for a mortgage, and the company pulled my credit on XX/XX/XXXX when I found out that XXXX had an outstanding loan listed in default. My credit up to this point was very good with a score in the XXXX 's for at least the last 5 years with all my bills being paid on time. 

The account was only put into default in XXXX of XXXX. XXXX claims to have been sending emails to a defunct email address that was used while in college. 
I immediately made payment ( on XX/XX/XXXX ) to bring the account back up to date and will be paying it off in full within the next week. 
I don't think it should be reported on my credit report and ruin my score which I have worked hard to keep when I obviously had the money to make payment and would not let it go into default. 
I explained all this to the representative at XXXX but they were uninterested in helping. They should at least have to send a notice through the US mail before making negative reports to the credit bureaus. 

Thank 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 explanation