vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XXXXXXXX XXXX XXXX and the other credit card I harassed me repeat it calling some of the cars were paid for and some are just discharge and they do not understand to stop calling me and according 15. U.S.C. 1692C I have asked to stop it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 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: PA

Complaint narrative:
I AM A VICTIM OF THE RECENT DATA BREACH PLEASE REMOVE AND BLOCK THESE ACCOUNTS DUE TO THE RECENT DATA BREACH [ XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] [ XXXX ] [ TRANSUNION ] [ XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] Subject : Formal Dispute of Inaccurate Information Under FCRA ( 15 U.S.C. 1681n & 15 U.S.C. 1681o ) Dear [ TRANSUNION ], I am writing to formally dispute inaccurate information on my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ). The following item ( s ) on my report contain errors and must be investigated and removed immediately : [ XXXX ] Account # [ XXXX ] Nature of Dispute : [ fraudulent account ] [ Inaccurate Information ] According to 15 U.S.C. 1681i, you are required to conduct a reasonable investigation of this dispute within 30 days. If the information is found to be inaccurate or unverifiable, it must be deleted or corrected. Additionally, under 15 U.S.C. 1681n, if you fail to comply with the FCRAs requirements willfully, you may be liable for actual damages, statutory damages of up to {$1000.00} per violation, punitive damages, and attorney fees. Under 15 U.S.C. 1681o, if noncompliance is due to negligence, you are still liable for damages, including legal costs. I demand that you correct or delete the inaccurate information from my credit report immediately. Please provide me with a written response detailing the results of your investigation. If the disputed item is not corrected, I will explore all legal remedies available to me. Enclosed are copies of supporting documents [ list documents such as a copy of your credit report with the inaccurate item highlighted, proof of identity, statements, etc. ] to assist in your investigation. Please respond in writing to the address above within the required timeframe. 

Sincerely, [ XXXX XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-03-22 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 am insisting on the immediate removal of these inaccurate and misleading items from my credit report. These entries violate several provisions of the Fair Credit Reporting Act ( FCRA ). Under Section 609 ( c ), you are required to provide a summary of my rights, including my right to dispute these inaccuracies. I expect this to be processed immediately.

Section 611 ( c ) mandates that if any disputed information is deleted or corrected, you must notify all parties who received my credit report in the last XXXX  months ( or XXXX  years for employment purposes ). I expect this notification to be handled without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AZ

Complaint narrative:
I am filling a complaint against Cash App XXXX Block XXXX Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). 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 was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( XXXX  ) and XXXX XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for the violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: CA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX on XX/XX/XXXX with XXXX balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
My information was leaked in a data breach that occurred in XXXX and XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Navient Solutions, LLC.
State: KY

Complaint narrative:
My information was leaked in a data breach that occurred in XXXX and XXXX of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX Balance : {$940.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$3600.00}, 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 non-monetary relief
Consumer complaint received 2025-03-22 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:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX Balance : {$940.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$3600.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have not received the proper notice post repossession which makes this balance null and void. This need to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 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: FL

Complaint narrative:
I have not received the proper notice post repossession which makes this balance null and void. This need to be removed.

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 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This Consumer Financial Protection Bureau ( CFPB ) complaint is filed pursuant to the Fair Credit Reporting Act ( FCRA ) XXXX ( 15 U.S.C. 1681c-2 ) to formally request that ( CREDIT BUREAU ) , as a credit reporting agency, block the disputed information appearing on my consumer credit report within four ( 4 ) business days of receiving this complaint. The information in question results from identity theft, fraudulent activity, or unauthorized data breaches.

The disputed accounts include, but are not limited to, collections, late payments, charge-offs, and unauthorize
d inquiries. These items have been identified as fraudulent, and I am providing Federal Trade Commission ( FTC ) Identity Theft Affidavits as supporting documentation. Under 15 U.S.C. 1681c-2 ( a ), credit reporting agencies are required to block fraudulent information within four ( 4 ) business days upon receiving proper documentation.

Additionally, under 15 U.S.C. 1681s-2 ( a ) ( 6 ) ( B ), furnishers of information are prohibited from reporting
fraudulent data after receiving notice of identity theft, and under 15 U.S.C.

1681i ( a ) ( 5 ) ( A ), credit reporting agencies must promptly delete inaccurate, unverifiable, or fraudulent information from a consumers file.

As per my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I demand the immediate blocking or removal of all fraudulent items from my credit report and the cessation of any related collection activity. Under 15 U.S.C.

1692e ( 8 ), debt collectors must cease collection efforts on fraudulent accounts after being informed that the debt resulted from identity theft. Failure to comply with these statutory obligations may result in further legal action and enforcement through the CFPB and other regulatory authorities.

Please refer to the attached documentation for verification and process this request accordingly.

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 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On or about XX/XX/XXXX, a fraudulent XXXX XXXX XXXX account was opened in my name due to identity theft. I first discovered this account on my credit reports and promptly disputed it with both TransUnion and Equifax, providing extensive documentation to prove it was fraudulent, including a police report, an FTC Identity Theft Affidavit, and proof of my identity and residence. After multiple disputes, the account was initially removed from my credit reports, which I confirmed at the time.

However, the same fraudulent account has since reappeared on my credit reports maintained by both TransUnion and Equifax. I have now disputed this item seven times, with my most recent disputes filed on XX/XX/XXXX. Each time, I submitted the same supporting documentation proving the account was opened fraudulently. Despite this, both credit bureaus have refused to permanently remove the account, claiming it has been verified, though they have not provided clear details on how they investigated or why they continue to list it. 
For example, in my XX/XX/XXXX, dispute letters, I requested a detailed reinvestigation, full disclosure of their investigation processes, and immediate removal of the account under the Fair Credit Reporting Act ( FCRA ). I cited their obligations under FCRA Section 611 ( for TransUnion ) and Section 605B ( for Equifax ) to remove unverifiable or fraudulent information, but neither bureau has complied fully. Instead, the account remains, negatively impacting my credit score and financial opportunities. 
I have taken consistent action since discovering this issue, filing disputes repeatedly over the past several years and providing all required evidence. The credit bureaus failure to resolve this matter, despite the account being previously deleted and my clear evidence of identity theft, suggests a significant breakdown in their dispute processes. I am seeking a permanent removal of this fraudulent account and a correction of my credit reports. 
Key dates : Account opened fraudulently : XX/XX/XXXX Most recent disputes filed : XX/XX/XXXX Multiple prior disputes : Ongoing since discovery, with temporary removal achieved previously

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 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 am demanding the removal of this incorrect and misleading information from my credit report. It blatantly violates multiple sections of the Fair Credit Reporting Act ( FCRA ). Under Section 604 ( a ), you are only permitted to allow access to my credit report for specific, permissible purposes. Im questioning whether this data even meets that standard.

Under Section 611 ( d ), any unverifiable information must be removed from my credit report during the reinvestigation process. I expect a thorough and immediate review of this data, and the deletion of anything you can not verify.

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 2025-03-22 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: 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. 

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Bank of America offered a 15 % cashback deal on their website if a purchase was made by clicking through their link and making an online purchase at XXXX XXXX XXXX XXXX. I activated the deal and made an online purchase of {$69.00} by clicking the link on the Bank of America Website. The offer was valid from XX/XX/XXXX to XX/XX/XXXX. I made the purchase on XX/XX/XXXX on it posted on XX/XX/XXXX. I never received my rebate of {$10.00}. I called in late XXXX to resolve the situation and the Associate told me that she would submit an inquiry to see why I did not receive it. On XX/XX/XXXX I contacted Bank of America again and the Associate informed me that the first Associate never followed through on my request. The second Associate gave me a reference number XXXX and told me that she would submit an inquiry to resolve the situation by XX/XX/XXXX. On XX/XX/XXXX I contacted Bank of America to see why I had not received the rebate and the Associate told me that he would have to submit another inquiry to see what happened. The reference number was 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 monetary relief
Consumer complaint received 2025-03-22 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My Kohls Department store card has changed to the XXXX Capital One. So when the payment was due they closed the way I used to pay my bill and with no explanation on how to pay it. So i missed a payment because i couldnt get a hold of anyone and had no idea what my account number was to try to contact Capital One. 

I want this bad faith company to refund my fees associated with their issue they had in transfer

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: OK

Complaint narrative:
My payment record demonstrates consistent punctuality with XXXX instances of tardiness. I demand prompt evidence substantiating this alleged late payment, as my consumer protections are being infringed without it. Per 15 U.S. Code 1681s-2 ( a ) ( 2 ), information furnishers must promptly correct or update data upon discovering inaccuracies, incompleteness, or changes affecting accuracy.

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 2025-03-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Stellantis Financial Services US Corp.
State: TX

Complaint narrative:
I have requested my 1099c form from First Investors servicing since they have sold the balance and are reporting it on my credit as owed a balance. This debt was written off by the company and sold so this needs to be removed from my credit report. They have removed it on all except XXXX. They have it currently as a OPEN loan.

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