vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I received a credit card from Cash App that I never requested. Someone used my personal information to open an Cash App account. I reached out to Cash App and notified them of the fraudulent activity. After providing Cash App with pictures of the credit card, they closed the account on XXXX XXXX, XXXX but provided no further information such as balances, who or how the account was established. I immediately placed a freeze on my credit with all XXXX  credit bureaus. 

On XX/XX/XXXX, I received a 1099-k form in the mail filed by XXXX, XXXX XXXX XXXX XXXX transactions were recorded on an account using my social security number. A total of {$6900.00} ( gross amount of payment card/third party network transactions ) all occurred between XXXX XXXX, during the time the Cash App account was created with my stolen information. I reached out to Cash App to update the 1099-k to reflect XXXX since it was not my account and I never authorize any of the transactions. Cash App has been absolutely no help, providing only the following generic email response : Hi, Our team has received your claim regarding the 1099 tax document issued to you. 

Cash App does not provide tax advice. If you have further questions about your particular tax situation you should reach out to your tax advisor. 

If you believe your personal information is being used, we recommend visiting IdentityTheft.gov ( https : //www.identitytheft.gov/ ) where they can help you report and recover from identity theft. 

If you would like to further pursue this claim, you may wish to contact local law enforcement. Cash App will cooperate with any active investigation and provide any supporting documentation that may assist with their investigation in the matter. 

Law enforcement agents may submit a request for information electronically ( XXXX XXXX XXXX ) or in writing to :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX is reporting Past Due : XXXX reports Payment Status : Collection/Chargeoff {$980.00} Last Reported : XX/XX/XXXX Equifax reports {$980.00} Payment Status : Late 120 Days Last Reported : XX/XX/XXXX XXXX Account XXXX Reports {$970.00} Payment Status : Collection/Charge off Last Reported : XX/XX/XXXX Equifax reports Past Due XXXX {$970.00} Payment Status : Late 120 Days Last Reported : XX/XX/XXXX I have requested that they provide me with a 1099c since they charged this debt off. Ive also asked them to remove this of my report due to inaccurate reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HUNTINGTON NATIONAL BANK, THE
State: FL

Complaint narrative:
I purchased a used vehicle and recently received a welcome letter from Huntington Bank. I called them to change my due date from the XXXX of each month to the XXXX of each month. I was informed by the first customer service rep that I " signed an agreement '' with XXXX stating that I agreed with their rules about not extending the due date past a certain amount of days. I informed her that I didn't even know I had a loan with Huntington Bank until I received the welcome letter so no, I didn't sign an agreement. I requested a supervisor and she stated that extending the payment to the XXXX XXXX cause problems with their system. I have never heard that in all of my years being a consumer. The XXXX is what works better for my pay cycle and the previous credit union had no issue setting it up that way. 

This experience has me concerned about whether this company has policies and procedures for these types of inquiries as the reasoning behind why they couldn't accommodate a simple date change were very much " made up ''. I'm not asking for something unrealistic. I'm asking for a payment due date change to the XXXX of each month and I wanted to be set up on automatic payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: NC

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized account/information reporting to my credit report. These remarks have been detrimental to my life and credit health. My social security number was sold on a black market, and this is currently being investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Climb Credit Inc.
State: CA

Complaint narrative:
I started a loan to become a XXXX XXXX with Climb Credit services. 

I had unfortunate circumstances due to flooding in my home and a XXXX  XXXX and the school would not make any accommodations or assist in rescheduling classes. 

I was unable to finish and I continued trying to pay but was unable to continue and felt cheated. After awhile I was notified my debt was going to be sold and I would need to pay. I reached out for info and Im still confused, I was offered a way to pay a lump sum and be done but Ive been in financial struggles. After a few back and forths, I took some time to weigh my options but suddenly there was no way for them to respond to me VIA email and my online account doesnt show any information for me. It is showing on my credit report but theres no payment option shown.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: DC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

List of Unauthorized Inquiries : XXXX XXXX - XXXX XXXX  - XXXX XXXX XXXX  - XXXX XXXX XXXX  - XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 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 2025-01-28 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:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX  XXXX Balance : {$2300.00} XXXX  XXXX XXXX Balance : {$290.00} XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX  XXXX Balance : {$2300.00} XXXX  XXXX XXXX Balance : {$290.00} XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX 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 explanation
Consumer complaint received 2025-01-28 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 had submitted dispute letters to Experian in XX/XX/year> with items that are inaccurate on my credit reports. They were not fixed. I received a report stating all the items were accurate. I do not believe proper investigation was completed.

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 2025-01-28 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: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX, has 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 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 2025-01-28 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: NY

Complaint narrative:
Complaint Type : Credit Reporting Subject : Violation of IRS Regulations & FCRA Improper Charge-Off Reporting & Inaccurate Credit Reporting Details of the Complaint : I am filing this complaint against the following creditors for violating IRS regulations , the Fair Credit Reporting Act ( FCRA ), and consumer protection laws by improperly reporting charged-off accounts and alleged late payments on my credit report.

1. Improper Charge-Off Reporting According to IRS regulations ( IRS Form 1099-C, Cancellation of Debt ), when a creditor charges off an account and reports the cancellation of debt to the IRS, the amount is considered income for tax purposes. Once a debt is charged off and reported as a canceled debt, it can no longer be reported to the credit bureaus as an outstanding balance or active derogatory account.

Despite this legal requirement, the following creditors continue to report charged-off accounts on my credit report, which is an illegal practice and constitutes double jeopardy in financial reporting : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX. Improper Alleged Late Payment Reporting Additionally, under FCRA 15 U.S.C. 1681a ( d ) ( 1 ), creditors are prohibited from reporting " transactions and experiences '' directly with the consumer to credit bureaus. These accounts should not be reported as alleged late payments in violation of consumer protection laws. Despite this, the following creditors have improperly reported alleged late payments on my credit report : XXXX XXXX XXXX  XXXX XXXX. 
XXXX XXXX XXXX Secret Laws Violated : IRS Regulations ( IRS Form 1099-C & Tax Code ) Once a debt is canceled and reported as income to the IRS, it can not be simultaneously reported as a collectible debt on credit reports.

Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681a ( d ) ( 1 ) Creditors can not report " transactions and experiences '' related to internal bookkeeping or charge-offs as active derogatory accounts.

Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) Prohibits the reporting of inaccurate or misleading information to credit bureaus.

Relief Sought : Immediate removal of the improperly reported charge-off accounts.

Immediate deletion of the alleged late payments.

A formal investigation into the ongoing violations and unfair reporting practices.

Compliance assurance from the creditors that they will follow IRS and FCRA laws regarding charge-offs and canceled debts. 
I request the Consumer Financial Protection Bureau ( CFPB ) to take immediate action to enforce federal regulations and protect my rights. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX : XXXX Cell : ( 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 2025-01-28 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: VA

Complaint narrative:
I am writing to formally request a 2nd Re-Investigation by Experian regarding inaccurate information on my consumer report. The request is being submitted under the ( FCRA ) 15 USC 1681i ( 7 ) Description of reinvestigation procedure, which requires consumer reporting agencies to conduct a reasonable reinvestigation of disputed items and provide detailed documentation requested by the consumer.

The recent Consumer Financial Protection Bureau lawsuit filed against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' violating consumer protection laws by failing to meet its obligations under the FCRA and several other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly.

Reinserting previously disputed and inaccurate information without explanation.

Failing to notify consumers about investigation results effectively.

Refusing to provide requested documentation by consumer from investigation.

These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on consumer reports.

I've attached the original Re-Investigation letter that was sent to Experian. Please review the letter and Experian should not update the inaccurate account as Experian has done and seemed to further the inaccuracy of the account without providing any requested details or documentations that were gathered during the investigation. 

I've also attached the letter received from XXXX regarding their investigation, which clearly shows a proper Re-Investigation was conducted that resulted in the deletion of the inaccurate account.

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 2025-01-28 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX Subject : Request for Removal of Inaccurate Late Payments Under the Fair Credit Reporting Act To whom it may concern, I am writing to dispute the accuracy of late payments listed on my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. The information being reported is either incorrect or can not be verified and, as such, must be promptly investigated and corrected or removed. 

Account Details : Creditor : XXXX Account Number : XXXX Date of Late Payment : XX/XX/XXXX Under FCRA 611, I am entitled to dispute any information on my credit report that is incomplete, inaccurate, or unverifiable. After reviewing my records, I believe the reporting of these late payments is either a result of an error or does not meet the accuracy and verification standards required by law.

I request that you investigate this matter with the creditor and provide me with a written response detailing the results of your investigation. If the creditor can not verify the late payments with complete accuracy, I respectfully ask that you remove these entries from my credit report.

To assist with your investigation, I have enclosed the following documents : A copy of my identification ( driver 's license or state ID ) Proof of address ( utility bill or bank statement ) Please be advised that the FCRA requires you to complete this investigation within 30 days of receipt of my dispute. If the investigation finds that the information can not be verified, I expect these late payments to be removed from my credit report immediately. 

Thank you for your prompt attention to this matter. Please confirm receipt of this letter and provide me with the outcome of your investigation. 

Sincerely, 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 2025-01-28 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: NY

Complaint narrative:
I have sent multiple complaints through CFPB and FTC but I don't see why these negative accounts, which I didn't authorize are still on my credit report when I have done my part. I've checked this and reached out to the creditors that I am not aware of and have no knowledge of this.

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 2025-01-28 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: WA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Foris DAX, Inc.
State: MI

Complaint narrative:
XX/XX/XXXX a {$4.00} inactivity fee was charged to my prepaid Crypto.com card. I reached out to support who stated I did not have any purchases in the previous 12 months. This, however, is not true. Last XXXX & XXXX ( At least from what I was aware ) I purchased something from the card. I believe this issue stems from them hanging the bank handling the funds, but this does not excuse them from charging the fee without due cause. 

After several hours of speaking with support and going back and forth they had hoped that I would simply give up on the matter. They will not let me close the card down, refuse to give me my money, and simply have been nothing short of rude. 

This can not be the only instance of this happening as they purged my data and say they can see nothing back to the opening of the card in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: First Financial Credit, Inc
State: KY

Complaint narrative:
I had already filled this out. Bottom line is the first Financial Company of Manchester violated rights and broke laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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