vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Patenaude & Felix A Professional Corporation
State: AZ

Complaint narrative:
This company bought my XXXX XXXX XXXX and never notified me that they had the debt. We only found out because target listed it as a charge off, and the debt settlement company im enrolled with, had the resources to go and look up out who has it now. I had told target I was enrolled in debt settlement and they sold the debt before my debt settlement company could contact them. After the debt settlement company looked up and found out that XXXX & XXXX had the debt, I personally tried to make contact via phone call and email. I was passed around in circles, then transferred to a voicemail in another language and they never responded to my email. The agent was rude and didnt care to help me, even though I said XXXX trying to settle a debt that they recently took over. My debt settlement company then contacted them, they responded once to request authorization for them to speak on my behalf, which they sent to XXXX XXXX XXXX. It is now the end of the week, and they still havent heard anything back. We have actively tried to get In touch with them. Also, I still have not seen anything or documentation from XXXX XXXX XXXX XXXX them taking over the account. I dont even know what the actual balance is! They are required to notify me of the debt and allow me time to dispute or negotiate it. They havent even followed that step yet. If I wasnt enrolled with the debt settlement company with the resources that they have, I would have never known who took over the debt. We live in Arizona, and our mail is forwarded. So we know they havent sent it to our old address either.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: FL

Complaint narrative:
Subject : Urgent Complaint Regarding Data Breach and Request for Immediate Deletion of Credit Report Information Dear CFPB Representative, I am writing to formally file a complaint regarding a data breach that has compromised my personal and financial information. Due to this breach, my sensitive data has been exposed, putting me at risk for identity theft and fraudulent activity. As a result, I am requesting the immediate deletion of all information on my credit report to protect my financial security. 

I have reason to believe that my information was accessed without authorization, leading to inaccuracies and potential misuse of my credit profile. Given the severity of this breach, I demand that the credit bureaus permanently remove all data associated with my name and Social Security number from my credit report. 

I have attempted to resolve this issue directly with the credit reporting agencies, but I have not received a satisfactory response. This breach of my personal information has caused significant distress, and I seek immediate corrective action. 

Please investigate this matter promptly and ensure that my personal and financial data is safeguarded. I request a written response outlining the steps taken to address my concerns. 

If additional documentation is required, please inform me immediately. I appreciate your attention to this urgent matter and look forward to a swift resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
Today, XXXX XXXX, my daughter 's grandmother, text me and told me that a process server, came to her house, where I do not live, and served papers that were meant for me. He didn't ask if she was me and just handed her the envelope. I had to drive up to her house to see it. I have no idea how they obtained her address. I do not reside there. And wasn't asked any questions. So they showed up at family 's homes, and dumped a lawsuit on them for me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account number XXXX Alleged Amount {$260.00} I am filing a complaint against Equifax and XXXX XXXX XXXX XXXX for failing to respond and properly investigate my disputes regarding inaccuracies in my credit report. 

Despite my submissions, Equifax and XXXX XXXX XXXX consistently responds within 24 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, Equifax '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 Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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: NY

Complaint narrative:
In my review of the credit report, I found some erroneous information. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), the XXXX credit bureaus must verify these accounts. Reporting unverified information without evidence within the legal timeframe is prohibited. Kindly investigate 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In my review of the credit report, I found some erroneous information. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), the XXXX credit bureaus must verify these accounts. Reporting unverified information without evidence within the legal timeframe is prohibited. Kindly investigate 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 2025-02-01 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: AZ

Complaint narrative:
Recently I looked at a copy of my credit report and noticed serval inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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: GA

Complaint narrative:
In accordance with the fair credit Reporting act convergent Accoucht : ( XXXX XXXX XXXX XXXXXXXX XXXX  ) have violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: TN

Complaint narrative:
I transferred money from my bank account to the XXXX  XXXX  platform through plaid ach. The first payment of {$950.00} went through successfully, but the second payment of {$4000.00} has not been received. XXXX  claimed that the {$4000.00} would be available on XX/XX/XXXX, just like the {$950.00}, which was processed on the same date. However, despite this, I am unable to trade with the {$950.00}, and I withdrew it back to my bank account. The {$4000.00} still hasnt shown up in my XXXX  account, preventing me from trading or withdrawing it back to my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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,, SS # XXXX birthday XX/XX/XXXX This CFPB complaint has been filled 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 consist of a auto loan opened on XX/XX/XXXX at XXXX XXXX XXXX XXXX # ( XXXX ) and XXXX XXXX XXXX XXXX started XX/XX/XXXX act # XXXX and Hard inquiries such as XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent inquiries and collections appearing on my consumer XXXX credit report .I 've included a list of the hard inquiries as well as copies of the consumer XXXX credit report maintained by you which shows these items I've mentioned.i do not recognize the aforementioned accounts, collections, or hard inquiries on my consumer report maintained by you were not opened, made, or initiated by me. all these accounts I've mentioned are a result of fraud and identity theft. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) 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 explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

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 and 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
Consumer complaint received 2025-02-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
My son, XXXX XXXX, is helping me with this complaint as I am not very good with communications. I am giving explicit authorization to discuss any and all doings regarding this account & complaint with him as well as me. He is also listed on the XXXX account under " Trusted Contact. '' Per XXXX - a trusted contact is someone who will be reached out in case of health issue, contact information out of date, or suspecting fraudulent activity on the account. Neither XXXX XXXX or XXXX XXXX was ever contacted by XXXX to provide authorization - and was never given clarity on any of the matters that took place prior to XXXX closing the account. This is in regards to case number : XXXX. After the Robinhood account was randomly restricted for weeks, we received an email asking to submit bank statements, as well as a Live Photo XXXX & ID of XXXX XXXX. The selfie & ID was accepted by XXXX 's verifying agent. However, XXXX still decided to close the account. The verified & linked bank with XXXX is in the name of XXXX XXXX, XXXX XXXX 's son, as he manages all of his father 's finances. This account has been linked to XXXX since the account was created. XXXX XX/XX/year>- XXXX received correspondence from XXXX support that they will no longer support him as a customer. They gave XXXX options, liquidate all positions & withdraw to a linked bank account XXXX XXXX transfer to a new brokerage. OBVIOUSLY I opted for ACAT since I didnt want my stocks to be sold. We communicated this to the customer service as well that WE DID NOT WANT TO SELL AND DID NOT WANT A TAXABLE EVENT. They then proceeded to completely ignore that, and liquidate all my positions. Unbelievable. We sent XXXX follow up emails stressing that these stocks were sold without my permission, and if I couldnt XXXX then why did their support give me that option? Is this not illegal? Anyway, on XX/XX/year> we received correspondence from XXXX, a member of their escalations department telling me XXXX is working with the connected bank to return the funds. When asking him why they told me I could do an ACAT, he said my team confirmed ACAT isnt possible THEN WHY DID YOUR SUPPORT AGENT GIVE US THAT OPTION? Anyways, We have asked about XXXX times when to expect the money & never get a straight answer. At this point, my XXXX XXXX XXXX father has lost thousands of dollars of interest income & potential trading profits from this entire scam, and want nothing more than to have the money deposited into the linked bank account ASAP. We have constant stress because of this, and our mental health has been affected negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2025-02-01 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: NC

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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 2025-02-01 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: NC

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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 2025-02-01 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: TX

Complaint narrative:
I filed a dispute with Experian because fraudulent accounts were added to my credit report due to identity theft. I submitted a police report, an FTC identity theft report, and other proof showing that these accounts dont belong to me. 

Despite having all the evidence they need, Experian still hasnt removed the fraudulent accounts from my credit report. Under the Fair Credit Reporting Act ( FCRA ), they are required to properly investigate and fix errors within 30 days, but they are failing to do that. 

I also want to point out that the CFPB recently sued Experian for the exact same thingfor failing to properly investigate disputes, reinserting incorrect information, and violating the FCRA. This proves Experian has a pattern of ignoring consumers and breaking the law. ( CFPB Lawsuit Against 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