vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-17 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: TN

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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:
Please remove the fraudulent and suspicious hard inquiries from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: McCarthy, Burgess & Wolff, Inc.
State: VA

Complaint narrative:
I went into a XXXX corporate store to cancel my cell phone service and was assured by a store employee that it was canceled and that I did not owe anything. XXXX kept billing my credit card even after cancellation so I instructed my credit card company to not authorize any charges from XXXX. Later I started getting letters from debt collectors trying to collect on a debt that i was assured was not owed previously. The debt collector McCarthy, Burgess & Wolff has refused to provide proof of the debt, and dispute being told to not contact me without providing proof of the debt had called me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
Dear Transunion Consumer Solutions, I am writing to formally dispute the inaccurate reporting of a bankruptcy record on my file. As per the attached correspondence from XXXX XXXX XXXX XXXX, the bankruptcy record ( Case Number XXXX ) has been removed from my XXXX credit profile file following their re-investigation. It is common knowledge that Transunion Consumer Solutions relies upon XXXX to verify public records, namely Bankruptcy cases. 

Despite this resolution, I have reason to believe that this incorrect information is still being reported by your agency to my credit report. Under the Fair Credit Reporting Act ( FCRA ), which detrimentally, and adversely affects my creditworthiness. 

I am requesting that you conduct a re-investigation and remove all references and instances to this inaccurate bankruptcy record from credit lines on my credit file. 

Please find attached a copy of the letter from XXXX confirming the removal of this record. 

I request that you : XXXX. Investigate and verify the accuracy of the bankruptcy record reported on my file. 
XXXX. Remove any erroneous information related to this record if it is found to be inaccurate. 
XXXX. Provide a written response confirming the outcome of your investigation. 

I expect a response within the time frame allowed under the FCRA. If the inaccurate record is not removed, I will exercise my rights to further dispute this matter and escalate it as necessary. 

Please confirm receipt of this letter and provide updates on your investigation. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: FinCo Services Inc DBA Current
State: PA

Complaint narrative:
I have a few online banking apps I use and last year I had a phone and my personal information stolen Im talking bout my social security card drivers license credit cards XXXX XXXXXXXX forms and debit cards associated with with the online banks and Ive filed disputes with these online banks I use XXXX, XXXX, current, XXXX XXXXXXXX XXXX XXXX XXXXXXXX I provided legal documentation backing my disputes and all Ive got in response from them was no EORROR FOUND. Ive got letters from the social security administration office and other government agencies stating my personal information and banking information has been compromised i provided legal documentation and filed appeals Ive love a lot of money between these online banks they do not live up to their standards nor have my documents been honored during the investigation this is stressful on me and my family please if you can help me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Subject : Incorrect Reporting by Capital One and Credit Limit Increase Denial Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to formally raise a concern regarding incorrect reporting of my personal information by Capital One and to address my recent experience with their credit products.

My name is. I have been a loyal customer of Capital One for over 9 years, holding two personal credit cards that I have consistently paid as agreed. However, I have recently discovered that Capital One has incorrectly documented my name and address to XXXX. 

Due to this incorrect reporting, I have faced challenges that extend beyond mere inconvenience. Despite my good standing with Capital One, they have consistently refused to increase my credit limit. I find it perplexing that I am not deemed creditworthy enough for a credit line increase, especially when I received a pre-approved offer for a car loan between {$4000.00} and {$55000.00} from the same institution. This apparent contradiction raises questions about the fairness of their lending practices. 

To further elaborate, my current credit scores are as follows : XXXX : XXXX XXXX : XXXX XXXX : XXXX Given these scores, I struggle to understand why I am considered unworthy for a credit line increase while simultaneously being offered a car loan at an interest rate that is significantly higher than my current credit card interest rate. This disparity seems unfair and does not reflect my creditworthiness based on my long-standing history with the institution. 

I kindly request your assistance in addressing these issues with Capital One. It is crucial for me that my personal information be represented accurately in the credit reporting system, and that I receive a fair evaluation of my creditworthiness consistent with my financial history. 

Thank you for your attention to this matter. I look forward to your prompt response to help resolve these discrepancies with Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: PNC Bank N.A.
State: GA

Complaint narrative:
I opened an account with PNC in XXXX XXXX in the months that followed, I had some serious medical issues that caused me to miss payments. I called to return the vehicle, and several months later, it was repossessed. PNC noted the account as closed XX/XX/XXXX. Spring of XXXX, the U.S. Dept of Justice notified me that my personal information had been breached. I also received similar notices from XXXX, and other financial institutions of attempts/alert of suspicious activity. During that process of freezing accounts, I realized that PNC had noted the account as closed but for the past years, had documented the credit bureaus as closed but reporting a balance due. It appears that the write off had been reported to IRS but had not provided the required Form 1099-c. Accordingly, PNC did not provide the letter of closure for the account that is essentially, a debt cancellation the IRS expects for debts that exceed {$600.00} or more. PNC never provided the letter or the Form1099-c. Additionally, PNC did not provide the accurate information to the consumer reporting agencies. After requesting copies of my reports, I now find that PNC Bank has change the account closed dates from XX/XX/XXXX to XX/XX/XXXX for XXXX bureaus, and XX/XX/XXXX for another. PNC Bank has failed to comply with the requirements of accurate reporting, and failure to comply with the statues of IRS reporting. Whether it's a matter of negligence in their accounting or outright fraud, there is a clear violation of the FCRA and the IRS prevailing laws and regulations. The issue is accuracy in reporting. I also recognize that I have a measure of responsibility, but I have been comprised by PNC because the failure of my reporting the amount of the write off should have been reported to the IRS as ordinary income. PNC Bank knowingly placed me in violation of the laws. 
I want all information deleted from my files with all reporting agencies. I have provided written statements of my concerns to PNC Bank and the credit bureaus. PNC Bank has responded by simply changing the dates for the account closing to give the impression that their actions are recent and delete the fact that closure was documented by PNC Bank in XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: PA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Experian took my vital information to unlock my account. And I'm still locked out and but they got all my info.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

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.

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

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OH

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.

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 explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NEW YORK COMMUNITY BANCORP INC
State: FL

Complaint narrative:
I am filing this complaint to dispute certain debts that are inaccurately reporting on my credit report. According to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I have requested validation of these debts, as they do not belong to me. 
Details of Complaint : The debts listed on my credit report are not mine. 
Under 15 U.S.C. 1692g ( FDCPA ), I have the right to request that the debt collector provide written validation of the debt, including the original creditors name, the amount of the debt, and proof that I am legally responsible for the debt.

Additionally, under 15 U.S.C. 1681i ( FCRA ), I have the right to dispute inaccurate information on my credit report, and the credit reporting agencies are required to investigate and correct any inaccurate information within 30 days.

The debt collectors have not provided sufficient documentation to prove that these debts are valid or that I am responsible for them.

Reporting inaccurate or unverifiable debts is a violation of 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to maintain accurate and complete information in consumer reports.

Requested Resolution : 1. I request that the CFPB investigate this matter and direct the credit reporting agencies to remove the disputed debts from my credit report unless the debt collectors can provide : o A signed contract or agreement proving that I am responsible for the debt. 
o A complete payment history, including the original creditors name and address.

o Proof of assignment or transfer of the debt ( if applicable ).

2. If the debt collectors are unable to provide this documentation, the debt should be permanently removed from my credit report, as required under 15 U.S.C. 1681i.

3. I also request that the CFPB ensure that the credit reporting agencies and debt collectors comply with all provisions of the FCRA and FDCPA moving forward to prevent further inaccurate reporting. 
I appreciate your attention to this matter and expect a resolution within the legally required time frame.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: NC

Complaint narrative:
I have a collection on my credit report from SOUTHWEST CREDIT SYSTEMS that I do not know of. I've tried disputing it off with XXXX, but it hasn't been removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
I am filing a complaint against Cash App ( block, inc. ) due to inadequate customer service and unfair practices, witch 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 re-address for these violations.

Company response to consumer: Closed with explanation