vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-04 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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:
XX/XX/25 I intended to send a payment of XXXX rent + security deposit ( labeled as such ) of {$800.00}. Due to misleading, and what I now believe entails fraudulent, design of cashapp 's XXXX, I mistakenly sent the payment to an unintended recipient who appeared to be the intended recipient. I typed the intended recipient 's correct " XXXX '' into the text box, and was prompted with a checkbox popup confirming if I wanted to send the money to a user who has the same name, but not XXXX, as my intended recipient. The incorrect cashtag was not displayed in this popup, and the username matched my intended recipient, so I had no reason to think that it was not going to the person who's XXXX  I typed in the box. I did not then, do not now, have never, and will never consent to sending my money to an unintended recipient. 

I have asked cashapp 's customer support numerous times to help me resolve this issue, as I have no way to contact or message the unintended recipient of my money, and attempting to request a refund or payment from them through the app gives an error message. In the United States, keeping money that wasn't meant for you is illegal. As it has been XXXX weeks now and the user shows no signs of returning my money, and cashapp has refused to help with this issue in any way, the actions of the unintended recipient amount to theft, and cashapp has been and continues to be complicit in this theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Prepaid card — Student prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I have a claim for XXXX because the merchandise I bought was counterfeit and I DID not receive my item the Merchant I bought it from sends pictures before they send out the item when they did that I took the pictures they provided and got the shoes legit checked by a certified address and I got a to prove that it was a real certificate. I contacted chase and they told me to do this so I did but i am still losing the case I provided everything they asked for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 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 2025-03-04 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 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 2025-03-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: MIDFIRST BANK
State: LA

Complaint narrative:
On XX/XX/XXXX, I sent an International Bill of Exchange ( IBOE ) to MidFirst Bank 's Legal Department via registered mail, with copies sent to CEO Jeffrey Records Jr. via certified mail. The XXXX was issued as a method of payment toward a mortgage obligation with specific instructions to either credit the mortgage account or dishonor the instrument in accordance with applicable laws. However, MidFirst Bank has failed to take any actionneither crediting the mortgage nor formally dishonoring the instrument. 

On XX/XX/XXXX, I submitted a written request for GAAP ( Generally Accepted Accounting Principles ) accounting, asking MidFirst Bank to provide a full breakdown of how the mortgage transaction was recorded in their financial system. Despite my formal request, they have failed to provide the required financial disclosures, which violates consumer protection laws and financial transparency regulations.

Violations : MidFirst Banks failure to act on my payment instrument and its refusal to provide GAAP-compliant accounting may constitute violations of CFPB regulations, federal banking laws, and consumer protection statutes, including : Truth in Lending Act ( TILA ) - 15 U.S.C. 1601 et seq.

Requires creditors to provide clear, accurate financial disclosures. Failure to provide GAAP accounting could constitute non-compliance with financial transparency laws.

Real Estate Settlement Procedures Act ( RESPA ) - 12 U.S.C. 2605 Mandates mortgage servicers to provide financial records and respond to borrower inquiries in a timely manner. MidFirst Banks failure to disclose how the mortgage and payment instrument were processed may violate RESPA.

Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692 et seq.

Prohibits unfair, deceptive, or abusive collection practices. If MidFirst Bank is ignoring my legal payment submission and continuing to enforce the mortgage without processing it properly, this could constitute a violation.

Uniform Commercial Code ( UCC ) 3-501 & 3-505 Requires financial institutions to either honor
or dishonor negotiable instruments within a reasonable period. Their failure to respond or process the IBOE may be a violation.

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 2025-03-04 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: PA

Complaint narrative:
EXPERIAN CREDIT BUREAU IS REPORTING INACCURATE NEGATIVE ACCOUNTS AND INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: DE

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 2025-03-04 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: DE

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
Please remove the block that's on my credit Report immediately. Inever asked Equifax the put on block on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: VIRGINIA HOUSING DEVELOPMENT AUTHORITY
State: VA

Complaint narrative:
I bought my first home in XX/XX/XXXX and 2 months later sold to VHDA. Less than a year later the whole country was hit with Covid, hard. I had to go into a forbearance status as my work closed temporarily and I eventually caught back up on my payments. All of this was allowed under the Covid Relief Act of 2021. However, during that year period of catching everything back up I got hit on my credit with every month 60 days past due or 30 days past due and it has completely wrecked my credit when I am a good borrower I just needed help like millions of Americans during that time period. I have been on time with my payments since XX/XX/XXXX. As a consumer, I really need help dealing with this situation as it effects me it a substantial way. Many thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: 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 100 % accurate under 15 U.S.C. 1681i ( 7 ) 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 2025-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc.
State: TX

Complaint narrative:
I opened a Square account under XXXX email / small business name on XX/XX/XXXX. We used Square with no issues all summer long and had little to no refund requests from our customers. In XXXX or XXXX, days before our next business event, our account was closed, and since then, we have not been able to obtain additional information as to why, nor do I see a refund of {$230.00} in our Square account. 

SQUARE PROMISED XX/XX/XXXX ( see attached file ) that funds would be held for 90 days and released within one or two business days of XX/XX/XXXX. It is now XX/XX/XXXX, and the funds have not been released or refunded. 

I've attempted to transfer the funds from the Square website, and it will not allow me to. This should be illegal to treat customers this way, and people in general. SQUARE HAS NOT provided any details as to WHY or WHAT the reasons were for canceling my account, never once giving us the opportunity to dispute or fix the issue they found ( if any ). Please transfer my money in my Square account to the XXXX checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: MI

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 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 2025-03-04 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 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 explanation
Consumer complaint received 2025-03-04 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: Maximus Federal Services, Inc.
State: MA

Complaint narrative:
I received a credit monitoring alert from XXXX on XX/XX/year> indicating I had two federal new student loan accounts. I did not open these accounts and did not authorize these accounts. I have never taken out student loans for post secondary education. This is fraud and ID theft. I called the servicer, Aidvantage, on XX/XX/year>, and they advised me that the loans were taken out on XX/XX/year> and the person who took them out used my maiden name, XXXX XXXX XXXX my married name is now XXXX XXXX ) and my social security number, but had used a different address, XXXX and phone number. They had also created an account on the federal student loan website so that i could not access any of this information. Furthermore, I have had my credit frozen since prior to this loan being open as well as a fraud alert on my credit report indicating to call me before approving any loan application, so I am not even sure how this made it through and got approved. I have filed reports with : Dept of Education, FTC, all 3 credit reports have been disputed, my local police, and I have filled out the fraud affidavits that Aidvantage sent me ( which took over 2 weeks to receive ). I have received a notice also from Aidvantage via email that the school this person enrolled in has notified them that they have not enrolled in classes so the loan is now in a 6 month grace period which frightens me even more as it could affect my credit. I have received some disputes back from the credit bureaus and they claim the information is accurate and won't remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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:
XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA these accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$27000.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$910.00} XXXX XXXX  XXXX  Date Opened XX/XX/XXXX Balance {$6500.00} XXXX Date Opened XX/XX/XXXX Balance {$3100.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$1000.00} XXXX Date Opened XX/XX/XXXX Balance {$920.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$530.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$18000.00} **Inquiries** XXXX XXXXXXXX VIA DEALER XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
My income tax refund from XXXX for XXXX taxes was deposited into someone else 's account without my person. The bank confirmed receiving the funds and confirmed my name was not on the account nor any account with this bank. Was giving the run around referring me to IRS or XXXX XXXX. I have the account number it was deposited into but not the name of the recipient. This was around XXXX. I will be contacting an attorney or filing a small claims lawsuit if I can not get my funds returned. I have all the paperwork to back this up.

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 2025-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc
State: OH

Complaint narrative:
On XX/XX/year>, at approximately XXXXXXXX XXXX I received a call from XXXX XXXX, representing Hunter Warfield, regarding an alleged debt from XXXX XXXX XXXX I attempted to request validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ). XXXX XXXX interrupted me, overtalked me, and then hung up before I could complete my request. He also stated he wanted to email me information about the debt, but prevented me from providing my full email address and completing my validation request. This constitutes a violation of my rights under the FDCPA, as I was denied the opportunity to properly request and receive debt validation.

Company response to consumer: Closed with explanation