vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-25 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX 
XXXX XXXX, ca XXXX Phone : XXXX Email : XXXX XXXX : XXXX SSN : XXXX Dear Experian, Transunion & Equifax , I am writing to formally dispute a late payment with XXXX XXXX XXXX account number XXXX Open Date XX/XX/XXXX Balance of {$310.00}! This is more of s good will dispute to get the late payment changed to good standings. During this time I was dealing with some medical issues which were not allowing me to work. I got some lates on my mortgage around this time as well that are being disputed as well. I am an older hard working law abiding citizen who defied the odds of being the first home owner in my family. I am currently dealing with a slight touch of XXXX which could have contributed to this payment being late. I kindly ask that this late payment in XX/XX/XXXX be changed to never late.I am referencing The spirit of the fair credit reporting act, FCRA specifically section XXXX ( XXXX XXXX code {$1600.00}, ) which calls for the fair and respectful treatment of consumers credit information. If I may ad XXXX U.S.C XXXX ( XXXX ) FCRA XXXX ( XXXX U.S.C. XXXX ( XXXX ) FCRA XXXX ( XXXX XXXX. XXXX XXXX. This late payment may have been listed in error and was beyond my control, and XXXX request that it it fixed to never late. FCRA XXXX XXXX XXXX ( d ) ( XXXX ) ( a ) ( I ) Definitions : rules of construction Exclusions says ; I am suppose to be given a opportunity to opt out of information being reported to my credit report, and I was never given that opportunity nor was I made aware that I could by the reporting agencies which is illegal by the standards of what congress wrote into the consumer law as you can see if you read it that way being these FCRA codes are written very vaguely. XXXX XXXX says that these financial institutions are suppose to protect my personal information continuously to keep confidentiality meaning they dont even got the right to report things onto my consumer report if I dont give them permission to and as in this case I didnt. At the end of the day it is against the law to do so hey but Im not filing a lawsuit or anything as I have full confidence that the credit agencies will correct these things in a expedited timely manner as I am trying to use my credit to pull home equity from my home to expand my business landscaping from the heart so I can do more supervising then back breaking work. I am pushing XXXX so Im no longer a spring chicken. I have done the right thing and out of good will I am asking for some relief with this matter. 

Company Nmae : XXXX XXXX XXXX Account Number : XXXX Open date : XX/XX/XXXX Amount owed : {$310.00} Late date to be corrected and changed from late to never late : XX/XX/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 2025-04-26 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: IL

Complaint narrative:
I checked my credit report and noticed that I had fraudulent accounts reporting to my credit. Please remove this 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 2025-04-26 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: Amsher Collection Services, Inc.
State: IL

Complaint narrative:
I checked my credit report and noticed that I had fraudulent accounts reporting to my credit. Please remove this information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
I've had to reopen 3-4 new cash app cards, because every single time I've disputed someone taking money from my account, they freeze my account and tell me it'll be handled, but it's been months and I haven't gotten any type of help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: IL

Complaint narrative:
I am a victim of identity theft. I mailed a written dispute letter to Equifax requesting a block of fraudulent information under Section 605B of the Fair Credit Reporting Act ( 15 USC 1681c-2 ). The fraudulent accounts at issue, as reported by XXXX  and appearing on my credit file, include : XXXX XXXX Account # XXXX balance {$320.00} charged off XXXX XXXX Account # XXXX balance {$59.00} charged off XXXX XXXX XXXX Account # XXXX balance {$230.00} charged off XXXX XXXX XXXX Account XXXX XXXX balance {$1600.00} charged off XXXX XXXX Account # XXXX balance {$420.00} in collections I provided all necessary documents identity theft report, ID, and proof of address yet Equifax has not blocked XXXX removed these accounts. Equifaxs failure to act within four business days, as required by law, has allowed fraudulent accounts to remain on my credit file, causing ongoing damage to my creditworthiness. 

I am requesting that Equifax immediately block and permanently remove these fraudulent accounts as mandated under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was advertised a sign up bonus for the Capital One " Savor '' card which stated that if I spent {$500.00} using the credit card within the first three months of activating it, I would receive {$200.00} in cashback. So with that information in mind I checked to see if I was pre approved for the Savor card, and I ended up getting pre approved for the Savor card. Once I received the card in my mail, I used it to make a {$600.00} purchase on an XXXX XXXX  from XXXX XXXX, and on that specific day, Capital One was offering " 10 % cash back on XXXXXXXX XXXX XXXX purchased from XXXX XXXX. '' On their credit card app. Thus, I was under the impression that I would be receiving AT LEAST $ XXXX in cash back for the purchase, {$200.00} from the sign up bonus, and $ XXXX for the XXXXXXXX XXXX XXXXXXXX I purchased from XXXX XXXX. The XXXX  was purchased a few days after I received the card in the mail, around XX/XX/XXXX. It is now XX/XX/XXXX, and I still had not received any cashback for the sign up bonus, and the shopping offer for the XXXX. I then call Capital One and am told that I was somehow preapproved for the Savor card that did not come with the sign up bonus...? What does that even mean ...? They advertised the Savor card with that sign up bonus, I clicked the check pre approval button and it said I was pre approved for that very card...? They would have to EXPLICITLY STATE that I would not be receiving the sign up bonus with this " version '' of the card I am pre approved for, which they never did. I have read online and they have done this to MANY people before me and I strongly believe this to be a deceptive advertisement tactic. Why should the consumer have to assume that there are two versions of a credit card with the exact same name but one comes with the sign up bonus and one does not? How can any consumer predict that, when it is never noticeably specified that there are two versions? At no point in the application process was I told that I would not be eligible for the very sign up bonus that made me apply for the card to begin with. I was lead to believe I would be getting cash back and that influenced me to go out and buy a XXXX that Capital One specified I would get a cash back bonus if I was to buy that specific brand, from that specific vendor. The customer support later tells me that my cash back for the XXXX  will not be given either since I had to use the Capital One app to get a link to XXXX XXXX and purchase it online from said link ... which, once again, was never noticeably stated to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-26 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IA XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : [ Insert Date ] To : [ Name of Credit Bureau or Creditor, e.g., XXXX XXXX XXXX XXXX  ] [ Address of the Bureau ] Subject : Request for Deletion of Invalid Collection Account Fair Collections & Outsourcing Dear Sir or Madam, I am writing to formally dispute a collection account reported by Fair Collections & Outsourcing ( FCO ) on my credit report. Upon investigation, I have found that FCO is not licensed to operate as a debt collection agency in the State of Iowa, as required by Iowa law. According to Iowa XXXX XXXX, any person or entity engaging in debt management services in Iowa must obtain a license unless specifically exempted. 

Since FCO lacks the necessary licensing, their collection activities in Iowa are unauthorized and potentially unlawful. Therefore, the reporting of this collection account on my credit report is invalid and should be removed promptly. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate or unverifiable information on my credit report. Given that FCOs collection activities are not legally sanctioned in Iowa, I request the immediate deletion of this account from my credit file. 

Please provide written confirmation that this account has been removed from my credit report. If this matter is not resolved within the timeframe stipulated by the FCRA, I will consider filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Iowa Attorney Generals Office. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 2025-04-25 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: OH

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: OH

Complaint narrative:
I am writing to formally request your assistance in investigating inaccuracies and unauthorized accounts and other inaccurate information on my credit report, which have directly impacted my ability to be approved for loans. Despite my efforts to resolve the issue with the credit reporting agencies, these discrepancies remain unresolved. The information on my credit file includes which I did not authorize or recognize. As a result, my creditworthiness has been significantly affected, leading to my denial for crucial financial opportunities, including loansIappliedfor PERSONAL INFO : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX INQUIRIES : XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2024 XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XX/XX/2024

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 2025-04-25 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: IL

Complaint narrative:
Subject : Demand for Debt Write-Off, Removal of Account from Credit Report, and Issuance of Form XXXX for Account Dear XXXX  XXXXXXXX XXXX XXXX, I am writing regarding my account which was written off and reported as a charge-off on my credit report. I have not received a XXXX XXXX, Cancellation of Debt, as required by federal law for canceled debts of {$600.00} or more. I demand the following : ( XXXX ) confirmation that the debt has been written off, ( XXXX ) immediate issuance of a Form XXXX if the debt was canceled, ( XXXX ) removal of this account from my credit reports, and ( XXXX ) cessation of any collection efforts. 

Under Internal Revenue Code ( IRC ) Section XXXX ( XXXX U.S.C. XXXX ), applicable financial entities, including XXXX XXXX XXXX XXXX, must file Form XXXX with the IRS and furnish a copy to the debtor when a debt of {$600.00} or more is canceled due to an identifiable event, such as a decision to discontinue collection or actual discharge of the debt. The IRS regulations ( XXXX C.F.R. XXXX ) specify that failure to issue a XXXX when required may result in penalties and misreporting of taxable income. Since XXXX XXXX reported this account as charged off, suggesting the debt was deemed uncollectible, you were obligated to issue a Form XXXX if the canceled amount meets the threshold. Your failure to provide this form violates federal tax reporting requirements and may have caused inaccuracies in my tax filings. 

Additionally, reporting this account as a charge-off on my credit report without issuing a Form XXXX raises concerns about compliance with the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX, which requires furnishers like XXXX XXXX to report accurate and complete information to credit reporting agencies. If the debt was not canceled, reporting it as a charge-off may be misleading and violate FCRA accuracy obligations. If the debt was canceled, your failure to issue a XXXX and continued reporting of the account as collectible could be considered inequitable, as noted in cases such as * In re XXXX * and * In re XXXX * ( XXXX. XXXX XXXX  XXXX  ), where courts found it unfair to report canceled debt as collectible while treating it as income for tax purposes.

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 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
I am submitting a complaint against LVNV Funding LLC for reporting an account for {$630.00}, allegedly opened on XX/XX/year>, without providing proper debt validation as required by the FDCPA. 

LVNV Funding LLC is potentially in violation of : XXXX U.S.C. XXXX ( b ) Failure to ensure maximum accuracy in reporting. 
XXXX XXXX. XXXX ( a ) Failure to reinvestigate disputed information. 
XXXX XXXX. XXXX Failure to provide proper debt validation under FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I am writing to formally file a complaint regarding the ongoing issue with my Citibank accounts, which have been placed on hold due to a reported fraud activity. 

As a non-resident alien currently residing in a state without a Citibank branch, I am unable to open a new account in person or over the phone. Over the past XXXX months, I have made multiple attempts to resolve this matter by contacting the Citi XXXX customer service team. Despite repeated efforts, including a written request sent to your back office requesting account closure and issuance of a check for my remaining balance, I have not received any resolution. 

Most recently, I followed up with the Citi XXXX customer service team, only to be told that my letterwhich was delivered over 10 days agowas never received. I was further informed that Citibank can not proceed with closing my account and returning my funds unless I physically visit a branch to open a new account, which is not feasible given my current circumstances. 

It has now been XXXX months during which I have been unable to access my funds, despite actively trying to cooperate and resolve the issue through all available channels. This situation has caused me significant stress and inconvenience.

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 2025-04-25 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: IL

Complaint narrative:
On numerous occasions I have described the issues to each agency including statutes in the XXXX XXXX XXXX a, XXXX, c, b, g and i along with XXXX XXXX XXXX XXXX only to be ignored by all three bureaus undermining the statutes and the law I am escalating my dispute due to Experian Equifax and Transunion repeated failure to maintain accurate credit records all of the above mentioned statute shall be applied to these disputes I am requesting the supervision of the credit bureaus actions applying all applicable laws and information provided

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: IL

Complaint narrative:
On numerous occasions I have described the issues to each agency including statutes in the XXXX XXXX XXXX a, XXXX, c, b, g and i along with XXXX XXXX XXXX XXXX only to be ignored by all three bureaus undermining the statutes and the law I am escalating my dispute due to Experian Equifax and Transunion repeated failure to maintain accurate credit records all of the above mentioned statute shall be applied to these disputes I am requesting the supervision of the credit bureaus actions applying all applicable laws and information provided

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