vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-20 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: FL

Complaint narrative:
This is purely identity theft. I do not recognize this account. It is damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX Account number : XXXX REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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.

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 2025-02-20 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: FL

Complaint narrative:
This is purely identity theft. I do not recognize this account. It is damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX Account number : XXXX REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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.

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 2025-02-20 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: IN

Complaint narrative:
XXXX XXXXXXXX account XXXX is a closed account, when this account is old. 

Member source was a loan that was placed on my report. This could not have been me being that i was locked out and did not get out until XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
To Whom It May Concern : I am writing to formally dispute the fraudulent account listed as **BRIDGECREST** ( Type : Automobile, Status : Closed, Reported Derogatory ) on my XXXX credit profile. **This is not my debt**, and I demand its immediate removal under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX. 

**Basis for Dispute** : XXXX. **Identity Theft/Fraud** : I have no affiliation with BRIDGECREST, nor have I ever entered into an agreement for an automobile loan or any financial transaction with this entity. 
XXXX. **Inaccurate Reporting** : The alleged XX/XX/year> days late notations ( XXXX ) and Profit and loss write-off remarks are fabricated. 
XXXX. **Lack of Validation** : I have never received lawful validation of this debt, including a contract bearing my signature or proof of legal obligation. 

**Demands** : - **Immediate deletion** of this account from my credit profile. 
- A full investigation into the origin of this fraudulent entry. 
- Written confirmation of resolution within XXXX days**, as required by the FCRA. 

**Legal Notice** : Failure to comply with these demands will compel me to escalate this matter to the Consumer Financial Protection Bureau XXXX CFPB ), the Attorney Generals Office , and pursue litigation for willful non-compliance under FCRA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
First, the debt ( CapitalOne Credit card ) was written off and they still report that I owe them. Which I know is illegal since they wrote the debt off. Secondly, they did not provide me with a copy of the XXXX for my taxes. 

and third ... my account limit is $ XXXX ... why do i owe them over $ XXXX? They never reported to me, why my account suddenly had a huge increase. I have disputed this event, but all the creditor said was the debt was accurate. No explanation as to why.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: ME

Complaint narrative:
Synchrony Bank issued me an Amazon XXXX credit card several months back. I had a {$3000.00} credit limit to which there were times where I nearly maxed it out. I recently took out a personal loan and paid down close to {$30000.00} in debt as well as paid off my Amazon XXXX card which brought the balance down to {$0.00}. Once I paid it off and used it sparingly with small amount purchases and then pay it off before end of month, Synchrony out of the blue sends me a letter stating that due to multiple risk factors my credit limit has been reduced from {$3000.00} to {$210.00}. 

Lately, if I don't use the credit card, they increase my credit limit, which they did from Lowes moving me from {$1000.00} to {$2000.00} recently. When I used the card frequently they been lowering my credit limit. 

One risk factor identified was high income to debt ( I : D ) ratio which makes sense a few months back. I have since paid off numerous credit cards and by decreasing my credit limit they are putting me right back into the same scenario of higher income to debt ratio. If I have {$1500.00} outstanding and {$3000.00} in credit, then I pay down to {$100.00} remaining balance, so they lower my credit limit to {$210.00}, my I : D ratio is back to 50 % again despite paying over {$1400.00} to bring I : D to 3 % and their credit limit decrease jumps me back up to 50 %. That is not fair when I worked hard to pay it down.

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 2025-02-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Ive had multiple inquiries from your company show up on my credit report that I know I didnt authorize.

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 2025-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Recently, my XXXX XXXX  account was hacked, and several unauthorized purchases were made using the payment methods linked to my account. Upon discovering these fraudulent transactions, I took immediate action by contacting XXXX XXXX directly. However, their customer service refused to assist me, stating that there was " nothing they could do. '' They did not offer any resolution or guidance on recovering my funds or securing my account. 

Following this, I promptly reported the unauthorized charges to Bank of America along with XXXX XXXX and requested a chargeback. Unfortunately, my bank denied my dispute, leaving me financially responsible for charges that I did not authorize or approve.

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 2025-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
I am filing a formal complaint against Cash App ( Block , Inc. ) for inadequate customer service and unfair practices that violate the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 ( a ). Specifically, Cash App failed to implement timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected, which constitutes an unfair and deceptive act or practice under the CFPA.

Furthermore, Cash App 's dispute resolution They failed to comply with the error resolution requirements mandated by the Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693f, and its implementing regulation, Regulation E, 12 C.F.R. 1005.11. These laws require financial institutions to investigate and resolve disputes promptly and in good faith, yet Cash App failed to meet these obligations.

These violations have caused significant inconvenience and financial loss. I am seeking appropriate redress for these violations of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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 do not recognize the negative accounts appearing on my credit

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 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Amsher Collection Services, Inc.
State: NY

Complaint narrative:
This is a XXXX  account. I Never had XXXX. Ever. They dont offer those services in my area as they we use XXXX XXXX am asking kindly to have this removed and closed. I believe my information was leaked on the dark web causing me issues with random accounts opened in my name and my personal information sold. It is for {$320.00}. I should not be responsible for this. Thank you so much in your cooperation im closing this open account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: MS

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Reporting Act ( FCRA ) to conduct a reasonable re-investigation 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, what Experian has neither correctly, nor removed Space disputed items despite the evidence, where Experian has neither corrected nor removed disputed items despite the evidence I provided. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians 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 2025-02-20 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: MoneyLion Inc.
State: TX

Complaint narrative:
I entered a credit builder loan and completed the entirety of the loan process and after completion I was due to receive all of my money. I did receive the majority of my money from the reserve however {$22.00} is being withheld from me. I have contacted them multiple times and they have yet for months to release that money to me. I've also dealt with terrible customer service from this company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-20 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: Duvera Billing Services, LLC
State: PA

Complaint narrative:
This is the XXXX complaint I filed this month.CFPB Complaint number XXXX for XXXX replied saying XXXX XXXX received and reviewed the complaint initiated by XXXX XXXX XXXX XXXX  XXXX  was unable to locate an account or transaction for XXXX based on the information provided. In order to continue to look into this matter further, XXXX  XXXX  kindly requests I provide the account number of the account in question. And if I have any further questions regarding their response, XXXX Customer Service XXXX, XXXX, directly at XXXX. I continue to recieve voicemails and no return call from XXXX. In my XXXX previous complaints I stated that I disputed this with the company XXXX many of times and with the XXXX. XXXX 'S response is they " don't have an account number ''. It's listed on my report, ( ALL XXXX CREDIT AGENCIES ) as ACCOUNT NUMBER XXXX with a {$XXXX} BALANCE. I've been reaching out to all three credit agencies and the collection agency since XX/XX/year> asking for XXXX verification of this debt else removal. I asked them to provide me with the following information : 1. The amount of the debt : A detailed breakdown of the amount you claim I owe, including interest, fees, and any other charges. 2. Proof that the debt is mine : Documentation showing that I am legally obligated to pay this debt and the original creditors name. 3. Evidence that the agency has the right to collect this debt : Please provide proof that you are authorized to collect on behalf of the original creditor or that they have purchased the debt. 4. Details of the original transaction : A copy of the original contract or agreement showing my signature, and any supporting documentation to substantiate the claim. I filed a previous claims with XXXX at the FTC. My wallet was stolen in XX/XX/year> and a few years prior as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: PA

Complaint narrative:
Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX. 
XXXX ( a ), I am formally demanding the immediate removal of inaccurate, outdated, and unverifiable information appearing on my credit report. Equifax has a statutory obligation to conduct a fair and reasonable reinvestigation of any disputed information and remove or correct any information that can not be verified as accurate within XXXX days. 
Additionally, the 2023 Equifax data breach and the subsequent Consumer Financial Protection Bureau ( CFPB ) lawsuit against Equifax highlight a pattern of noncompliance regarding consumer data security and reporting accuracy. Given these violations, I demand that Equifax comply fully with the FCRA and remove the following disputed items from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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: FL

Complaint narrative:
I have disputed the collection/reposession several times with XXXX and the credit agencies. First upon car being redeemed which cost over XXXX the car was damaged by the local company that picked up the reposession. Engine was damaged and yet XXXX  covered up the mechanical issues and sold it at auction which is illegal. Second XXXX has been reporting this on my credit as an installment loan. It was listed as a cash sale on my sales paperwork from the dealership. It is illegal to report in accurate 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 2025-02-20 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: FL

Complaint narrative:
I have disputed the collection/reposession several times with XXXX and the credit agencies. First upon car being redeemed which cost over XXXX the car was damaged by the local company that picked up the reposession. Engine was damaged and yet XXXX  covered up the mechanical issues and sold it at auction which is illegal. Second XXXX has been reporting this on my credit as an installment loan. It was listed as a cash sale on my sales paperwork from the dealership. It is illegal to report in accurate 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 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened 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 2025-02-20 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: NJ

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a XXXX  of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 

There is a XXXX reporting on my credit report, These XXXX is not mine and is result of FRAUD/ERROR. Please REMOVE it from my credit report IMMEDIATELY! because it is hurting my credit score so much. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

Company response to consumer: Closed with non-monetary relief