vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-23 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: NJ

Complaint narrative:
This letter serves as a formal demand for the immediate removal of inaccurate, unverifiable, and unauthorized information from my credit report, in strict compliance with federal laws! Under the Fair Credit Reporting Act ( FCRA ) and other pertinent legislation, I have the indisputable right to maintain an accurate credit report and to dispute any entries that lack legitimacy or proper verification Dear Experian, XXXX XXXX  - XXXX Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report XXXX XXXX - XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not.As the original creditor, only I can validate this debt. I do not validate debt XXXX - XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX - XXXX **** Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not.As the original creditor, only I can validate this debt. I do not validate debt Incorrect Name - XXXX XXXX- This personal information is incorrect AND HAS TO BE DELETED FROM MY CREDIT REPORT. 
in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.

Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g.

They were to notify me of this in writing 5 days prior, I was not.

As the original creditor, only I can validate this debt. I do not validate this debt.

# # # Legal Basis for Dispute and Unyielding Demands : **1. FCRA Section 605B, 15 U.S.C. 1681c-2 - Block of Information Resulting from Identity Theft** In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ), I am formally demanding the immediate blocking of the aforementioned account as it is a direct result of identity theft. Enclosed

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 2025-02-23 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
On XX/XX/XXXX I made a purchase of {$XXXX} order number XXXX. On XX/XX/XXXX I returned the full order. The estimated return amount was {$XXXX} due to {$XXXX} being subtracted from the price for the XXXX return label. 
On XX/XX/XXXX I dropped off the package at an authorized XXXX  dealer, XXXX with the tracking number XXXX. I reached out to XXXX XXXX XXXX on XX/XX/XXXX and they said it could take up to XXXX  days ( even though this has not been my experience ). I checked XXXX and I am still not seeing any tracking information. I contacted XXXX off XXXX on XX/XX/XXXX with XXXX # XXXX and they said they would be unable to refund the money. They did not say why. In XXXX I contacted Bread Financial to dispute this charge due to me not having the merchandise. They advise me they would investigate and they could not stop any finance charges that were currently accruing. Then a week later I received a letter in the mail denying my dispute. How? Why?! I dont have the merchandise it was too big for my son! But XXXX still on the hook for {$XXXX}. I attempted to reach out to XXXX  to make a claim without success. Please help!!!! XXXX out almost {$XXXX} and no merchandise

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. The following fraudulent accounts and inquiries have been identified as a result of this breach :. 
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 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
Capital One had computer glitches that resulted and me having service charges on my account. The first time they assessed charges they admitted as much and took them off. I paid the balance which was about XXXX dollars. I charged on the card again about XXXX dollars. They again did not notify me that there was a balance due. I called and asked about by card balance and they informed me that it was late. I told her that I would be happy to pay the balance, but I would not pay the XXXX or so dollars that was late because again they did not notify me. I signed up for email only notifications. Oddly enough once my balance was paid and they ran up charges based on the service charge not being paid they discovered my email address. I have had the email address for about 30 years. The same email address. XXXX. They have since been sending me reapplications to use Capital One credit. If I was, they bad person they believe me to be surely they would stop sending this. They had no problem trashing my credit though. For a XXXX dollar late fee. I have several cards, and they are all paid on time. I pay my cards as soon as I get a notice they are due. Which generally is about 10 or 15 days before they are due. Capital One is the only one who has not notified me about my bills in advance. They are I believe a criminal organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
I, XXXX XXXX, am a victim of identity theft, request removal and deletion of the listed accounts on my credit report. The fraudulent accounts are as follows : 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 explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio
State: MO

Complaint narrative:
I am not liable for this debt with Vance and Huffman LLC, I have previously sent a request for debt validation of this account and never received anything from them with this information and now it is negatively affecting my credit report. This debt does not belong to me and I have no knowledge of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: TRUIST FINANCIAL CORPORATION
State: MI

Complaint narrative:
I, XXXX XXXX, am a victim of identity theft, request removal and deletion of the listed accounts on my credit report. The fraudulent accounts are as follows : XXXX Opened XXXX XXXX, XXXX OF XXXX Opened XXXX XXXX XXXX Opened XXXX XXXX XXXXXXXX XXXX XXXX Opened XX/XX/year> XXXX Opened XXXX XXXX XXXX Opened 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 2025-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CT

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 2025-02-23 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: Experian Information Solutions Inc.
State: KS

Complaint narrative:
Since filling a complaint with The CFPB my credit score dropped by XXXX point with no explanation. Experian has retalated. Experian has also continue to provide incorrect information on the account of known coorporation that are in volation with the Federal Goverment who has been taken to court and found to be guilty of practices by buying debt and placing the cost back on the consumer. The XXXX XXXX case give clear testimony on the issues of coorparation money laundeing and fraud. Experian a forgion company that has cause injury to the consumer by making the consumer pay for reports and pay for further information that is incorrect on these reports. This misuse of infromation has caused harm. This informaiton will be past on to the Federal Government and Treasurey for audits of both Experian and CFPB which is supose to be protecting the consumer again such practices. Experian must remove this infromation from the report pertaining to XXXX XXXX XXXX. and other fake corporations that pretends to be operating under the Law as an ethical business.

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 2025-02-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I discovered that medical debts are still being reported on my credit report, despite the CFPB 's final rule prohibiting such practices. This rule, which amends Regulation V under the Fair Credit Reporting Act ( FCRA ), became effective on XX/XX/year>, and bans the inclusion of medical debts on credit reports provided to lenders. The reported medical debts negatively affect my credit score and may influence lending decisions. This violates the CFPB 's regulation, Which aims to protect consumers from inaccurate and coercive debt collection pr

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: CA

Complaint narrative:
Subject : Formal Dispute of Inaccurate Credit Reporting Violation of FCRA Dear Equifax and XXXX XXXX, I am writing to formally dispute the accuracy of the information being reported on my Equifax credit report concerning my auto loan with XXXX XXXX. The reported details are inaccurate, misleading, and in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681. 
Disputed Information Creditor Name : XXXX XXXX Issue : Incorrect Balance on Closed Account The account is reported as " Closed, '' but still reflects an outstanding balance of {$8900.00}. Per FCRA 1681s-2 ( a ) ( 1 ) ( B ), furnishing such inaccurate information violates my consumer rights. 

Potential Re-Aging of the Account There is no closure date or reason listed. This could extend the reporting bey

ond the legal 7-year limit under FCRA 605 ( a ) ( 5 ). Misleading Redeemed or Reinstated Repossession Remark My payment history shows 100 % on-time payments, which contradicts this remark. Under FCRA 1681e ( b ), data furnishers must ensure maximum possible accuracy. 

Formal Request for Investigation & Deletion 1. Under FCRA 611 ( a ) ( 1 ) ( A ), I demand a formal reinvestigation of this account. Within 30 days, you must either : Provide written proof validating the accuracy of the reported information, including the original signed contract and a detailed payment history from inception.

2. Delete or correct all inaccurate data.

If you fail to correct these errors, this will be considered a willful violation under FCRA 616 and 617, entitling me to damages of up to {$1000.00} per violation and possible legal action.

Demand for Method of Verification If you claim the disputed information is accurate, FCRA 611 ( a ) ( 7 ) grants me the right to receive : The exact name and contact information of the entity verifying this data.

The original source of the reported information. 

Notice of Intent to File CFPB & AG Complaints If my report is not corrected within 30 days, I will file complaints with : The Consumer Financial Protection Bureau ( CFPB ) My State Attorney Generals Office The Federal Trade Commission ( FTC ) I expect a response no later than [ 30 days from todays date ]. Failure to comply will result in further action.

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
I am filling 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 resolutions requirements Under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions Have caused significant inconvenience and financial loss, and seek appropriate redress for the violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
i received a letter that i had an account in litigation with an attorney. during the time i was moving and i've also worked with a litigation attorney and know they are allowed to garnish your paycheck ; i was fearful this would effect my moved by taking my money i set up a payment plan. after getting settled i came across the paper and did more research and found out these XXXX accounts aren't even reported to none of the credit bureaus. i called XXXX  and the gentlemen i spoke with was unable to provide me with the requested purchase agreement, any document bearing my signature, and was unable to answer if these were credit cards then why aren't they being reported to any credit bureaus so i can do a proper dispute. all he kept telling was to go over my previous purchases and i told him that doesn't mean anything because those charges could have come from anyone and since this is a XXXX XXXX collection agency i am required by the FCRA law to have a proper investigation completed. he advised me that it would take XXXX  days but in the mean time they would not continue to collect on the debt. i advised him i had this conversation recorded and i would be contacting the CFPB because i am required to receive a response in XXXX  days and if this was properly handed off to you ( w/o my consent ) then they should have the documentation i am requesting. as of today i have paid over XXXX $ and would like to not only be reimbursed but have this removed from account. attached is a copy of the cease and desist letter i sent to them as well as the audio from our phone call

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Upon review the files, it comes to the attention that there is an Error of FALSE information about a XXXX XXXX  Account # XXXX with the balance of {$5100.00} ( XX/XX/year>XXXX  ). I have No acknowledgment nor given consent permission to anyone in the institution to use my personal information to obtain or open the account to made unauthorized charges. I have reach out to the institution regarding about this matter and made sure the account open without my permission to be closed, remove and delete. As a Matter of rights under FCRA law to be in compliance, furnish-er of False information must provide any documentation that bears its original owners signature authorization and consent within 5 business days, failure to do so in the essence of time period must have the false information delete or remove before the matter is taken to the court because of Predatory Practice by the institution and the furnish-er of False information. Please taken step necessary to remove and delete prevent any account opened under owners personals information without permission nor consent.

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 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Upon review the files, it comes to the attention that there is an Error of FALSE information about a XXXX XXXX  Account # XXXX with the balance of {$5100.00} ( XX/XX/year> ). I have No acknowledgment nor given consent permission to anyone in the institution to use my personal information to obtain or open the account to made unauthorized charges. I have reach out to the institution regarding about this matter and made sure the account open without my permission to be closed, remove and delete. As a Matter of rights under FCRA law to be in compliance, furnish-er of False information must provide any documentation that bears its original owners signature authorization and consent within 5 business days, failure to do so in the essence of time period must have the false information delete or remove before the matter is taken to the court because of Predatory Practice by the institution and the furnish-er of False information. Please taken step necessary to remove and delete prevent any account opened under owners personals information without permission nor consent.

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 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Upon review the files, it comes to the attention that there is an Error of FALSE information about a XXXX XXXX  Account # XXXX with the balance of {$5100.00} ( XX/XX/year> ). I have No acknowledgment nor given consent permission to anyone in the institution to use my personal information to obtain or open the account to made unauthorized charges. I have reach out to the institution regarding about this matter and made sure the account open without my permission to be closed, remove and delete. As a Matter of rights under FCRA law to be in compliance, furnish-er of False information must provide any documentation that bears its original owners signature authorization and consent within 5 business days, failure to do so in the essence of time period must have the false information delete or remove before the matter is taken to the court because of Predatory Practice by the institution and the furnish-er of False information. Please taken step necessary to remove and delete prevent any account opened under owners personals information without permission nor consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/year>, Chase charged an annual fee of {$550.00}. The card is advertised as a travel card, and a credit of {$300.00} is supposed to be applied when certain types of travel expenses are incurred. The card was used extensively, yet Chase refuses to apply the full credit. I've spoken with " customer service '' supervisors, and a number have agreed with me, however, and they have " escalated '' the matter on at least XXXX ( XXXX ) occasions. 

Unfortunately Chase fails to offer the proper credit and also refuses to provide a human with authority to correct this. 

I believe this is a massive fraud and Chase is charging a premium fee, and failing to provide proper credits.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Citi cards/XXXX  Dates XXXX XX/XX/year> Amounts : {$XXXX} Status : Account charged off But report negative on my credit report and I didn't authorized this account to be opened

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