vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-08 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: NY

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the presence of an unauthorized and fraudulent account appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ), you are legally required to ensure the accuracy of the information reported and to conduct a thorough and fair investigation when a consumer disputes an error. 
The account and inquities in question, are listed below, does not belong to me and was fraudulently opened without my knowledge or consent. This false information is negatively impacting my credit profile, and I demand that it be immediately removed from my report. 
Additionally, as recent enforcement actions by the Consumer Financial Protection Bureau ( CFPB ) have demonstrated, consumer reporting agenciesincluding yourshave engaged in unlawful practices such as : Conducting sham investigations that fail to properly address consumer disputes. 
Uncritically accepting inaccurate information from furnishers, even when it is clearly unreliable. 
Reinserting previously removed inaccurate data without proper verification, in direct violation of the FCRA. 
I will not tolerate any such violations in the handling of my dispute. As required by federal law, you must conduct a proper investigation, communicate directly with the furnisher, and provide me with a clear resolution. If this fraudulent account is not removed immediately, I will escalate this matter by filing formal complaints with the CFPB, the Federal Trade Commission ( FTC ), and my states Attorney Generals office. 
Enclosed, I have provided a identity theft reports, FTC reports, to further support my claim. I expect written confirmation that this account has been permanently deleted from my credit report within the 30-day period required by law.

Failure to comply will result in legal action to enforce my rights under the FCRA and seek damages for any harm caused by your failure to uphold your legal obligations. I trust that you will handle this matter with the seriousness it deserves. 
I expect a prompt response and resolution no later than XXXX XXXX XXXX Sincerely, the follwoing Items need to be reoved XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and the following credit Inquiries need to be removed also I never asked for anyone to pull my report. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My information was exposed in the data breach. I am not aware of these items.

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 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT

Complaint narrative:
The credit scores that I pull through bureau paid subscription credit reports, does not match the score being reported through my credit cards, nor does it match the score pulled by lenders. My lender told me that it is common that lenders see a lower score than what the consumer is able to pull through the bureaus. The difference is enough that it pushes me into a lower lending bracket. I understand that credit pulls reduce your score. The difference between what I see through the bureaus and what the lender is pulling is XXXX - XXXX points. The scores the consumer sees, the scores communicated through credit card services, and the scores pulled by a lender should not vary more than a couple of points. This is an unfair credit practice, everyone should see the same score. 

Updating my contact information like a change of address or reporting a higher wage should not impact my credit score negatively.

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 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MT

Complaint narrative:
The credit scores that I pull through bureau paid subscription credit reports, does not match the score being reported through my credit cards, nor does it match the score pulled by lenders. My lender told me that it is common that lenders see a lower score than what the consumer is able to pull through the bureaus. The difference is enough that it pushes me into a lower lending bracket. I understand that credit pulls reduce your score. The difference between what I see through the bureaus and what the lender is pulling is XXXX - XXXX points. The scores the consumer sees, the scores communicated through credit card services, and the scores pulled by a lender should not vary more than a couple of points. This is an unfair credit practice, everyone should see the same score. 

Updating my contact information like a change of address or reporting a higher wage should not impact my credit score negatively.

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 2025-02-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: VW Credit
State: FL

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Against XXXX Volkswagen XXXX XXXX XXXX Dear CFPB Team, I am writing to formally submit a complaint against XXXX VW XXXX XXXX XXXX regarding unresolved issues with my vehicle that have persisted despite numerous attempts to rectify them. My vehicle has been in the dealership 's service department since XX/XX/2024, primarily due to Bluetooth connectivity, radio, and air conditioning malfunctions. As a result, I have been deprived of my vehicle for over two months. 

Under the Consumer Leasing Act ( 15 U.S.C. 1667 ), consumers are entitled to the enjoyment and use of the vehicle they are leasing. Furthermore, the Florida Lemon Law ( Fla. Stat. 681.101 et seq. ) stipulates that a vehicle is considered a lemon if it has been out of service for more than 15 consecutive days for repairs related to a defect covered by warranty. Given that my vehicle has been with the dealership for an extended period and the issues remain unresolved, I believe I have valid grounds for relief under these statutes. 

Despite the significant duration of my vehicle 's stay at the dealership, XXXX VW XXXX XXXX has insisted that I continue to fulfill the lease obligations as stipulated in our original agreement. This insistence, in my opinion, constitutes a violation of my consumer rights, especially considering the persistent defects and the extensive time my vehicle has spent in repair. 

Recently, I was informed that my vehicle had been repaired and was ready for pick-up. However, upon inspection, I discovered that the same issues persisted. Additionally, the condition of the vehicle upon return was unsatisfactory ; the seats were dirty with grease, and scratches on the doors had been improperly masked with a marker. I was compelled to take time off work to retrieve my vehicle, only to return it immediately due to these unresolved issues. 

In light of these circumstances, I am seeking compensation for the following : 1. The inability to utilize my vehicle for over two months. 
2. Lost income associated with time taken off work to address these issues.

3. Expenses incurred for gas during multiple trips to the dealership.

4. The mental and emotional distress caused by this ongoing predicament. 

Attached to this letter are documents supporting my claims, including records of text messages exchanged since XX/XX/2024, the work order from the dealership, and my second complaint regarding these unresolved issues. 

I respectfully request that the CFPB intervene in this matter to ensure that XXXX VW XXXX XXXX XXXX addresses these issues in a timely and comprehensive manner. I appreciate your attention to this complaint and look forward to your prompt response. 

Thank you for your assistance. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I, XXXX XXXX am a victim of identity theft, request removal and deletion of the listed fraudulent accounts on my Transunion and Equifax credit report : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

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 2025-02-08 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:
I am submitting this dispute regarding a fraudulent account that have been opened under my name without my knowledge or consent. These accounts are a result of identity theft, and I became aware of them in XX/XX/year>. Specifically, the account in question is with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting that the credit reporting agencies ( Experian, TransUnion, and Equifax ) block and delete this fraudulent account in accordance with the Fair Credit Reporting Act ( FCRA ). Additionally, I am invoking my right to legal recourse under 15 U.S.C. 1681n due to the significant damage caused to my financial well-being by this 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 2025-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am filing this complaint regarding fraudulent activity, unauthorized account changes, and unfair account closure by Synchrony Bank. Despite repeated attempts to resolve this issue with Synchronys customer service, I have not received a satisfactory resolution. 
Background of the Issue : 1.Unauthorized Name Change : In XX/XX/XXXX, Synchrony Bank changed the last name on my PayPal Credit account without my knowledge or consent. I became aware of this only when I received an email on XX/XX/XXXX, addressed to a name I have never usedKimberly Cisdon. 
2.Lack of Proper Security Measures : When I contacted Synchrony, I was told the name change was made via a phone call. However, your representatives confirmed that a legal name change typically requires official documentation ( e.g., marriage certificate or court order ) which was never provided. 
3.Fraudulent Payment Attempt : In XX/XX/XXXX, an unauthorized payment was attempted from my bank account under the fraudulent name XXXX. Fortunately, my bank blocked the transaction due to a name mismatch. 
4.Repeated Customer Service Failures : In XX/XX/XXXX, I was assured the matter was under investigation and that : My payment methods would be removed. 
No new charges could be made. 
A new card number would be issued. 
However, none of these actions were taken despite my multiple follow-ups. 
In XX/XX/XXXX, I requested an update via email and never received a response. 
5. Unjust Account Closure : On XX/XX/XXXX, I received a letter stating that my account was closed due to too many dishonored payments. 
This is completely unfounded because : I made all my payments on time using a debit card. 
The only dishonored payments were : 1. The XX/XX/XXXX fraudulent attempt under the name XXXX, which my bank blocked. 
2. A XX/XX/XXXX transaction XXXX XXXX XXXX XXXX XXXX XXXX that attempted to pull funds from a removed bank account, which I did not authorize.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
instead of true is being proactive and Im telling them that my account was breach provided them as I uploaded in this portal my FTC report and letter they are requesting that I get documentation which I gave them that I reported fraud online they wanted a letter on letterhead. I told them that I went into the branch and they told me that the information on my account should suffice. No one will write me a letter. I asked them for proof that I did not pay because money was missing approximately {$2300.00} from my account that month and I saw the payment go through the reverse .but no one at XXXX XXXX XXXX could provide any information as well. hence Bank has caught all fraudulent checks and pay all correct payments but Truist refuses to accept responsibility for bringing out my credit report XXXXXXXX XXXX  in addition to me never having a late payment on my credit report before but putting one on there when they put the XX/XX/year> report said they can not provide me with information that I didnt or did call up and pay. It was my responsibility to prove that I have fraud and I have done and exhausted at all measures.

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 2025-02-08 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: NV

Complaint narrative:
I am submitting this complaint because XXXX XXXX is furnishing inaccurate and misleading information about my wireless account to the credit bureaus, in violation of the Fair Credit Reporting Act ( FCRA ). Despite having notified XXXX of these issues, it has not taken any meaningful action to correct the inaccuracies. 

1. Re-Aging of Delinquency XXXX appears to be re-aging this account by frequently updating the date of delinquency, making it appear more recent than it actually is. The Date of First Delinquency ( DOFD ) is inconsistent across credit reports and does not align with my actual payment history. By altering the DOFD, XXXX is effectively extending how long this negative item remains on my credit file, which is an FCRA violation. 

2. Failure to Update Balance if Debt Was Sold or Transferred XXXX states my account balance is valid, but I have been directed to a third-party collection agency ( XXXX, XXXX XXXX XXXX XXXX XXXX If XXXX sold or transferred the debt, the original tradeline should be updated to reflect a {$0.00} balance and marked Transferred/Sold. However, XXXX continues to report a balance owed under its name, which is misleading and damaging to my creditworthiness. 

3. Inconsistent & Conflicting Reporting The information XXXX furnishes is not uniform across the three major credit bureaus. Some reports list different delinquency dates, while others show varying statuses or balances. Under FCRA 1681s2 ( a ) ( 1 ) ( A ) & 1681s2 ( a ) ( 2 ), Verizon is obligated to provide accurate and consistent information. This discrepancy is causing direct harm to my ability to obtain credit. 

4. Continued Reporting Despite Dispute I have previously disputed this account, yet XXXX response addressed only billing details. They did not explain or correct the credit reporting inaccuracies, nor did they provide documentation showing how the DOFD and final balance are properly verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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: NV

Complaint narrative:
I am submitting this complaint because XXXX XXXX is furnishing inaccurate and misleading information about my wireless account to the credit bureaus, in violation of the Fair Credit Reporting Act ( FCRA ). Despite having notified XXXX of these issues, it has not taken any meaningful action to correct the inaccuracies. 

1. Re-Aging of Delinquency XXXX appears to be re-aging this account by frequently updating the date of delinquency, making it appear more recent than it actually is. The Date of First Delinquency ( DOFD ) is inconsistent across credit reports and does not align with my actual payment history. By altering the DOFD, XXXX is effectively extending how long this negative item remains on my credit file, which is an FCRA violation. 

2. Failure to Update Balance if Debt Was Sold or Transferred XXXX states my account balance is valid, but I have been directed to a third-party collection agency ( XXXX, XXXX XXXX XXXX XXXX XXXX If XXXX sold or transferred the debt, the original tradeline should be updated to reflect a {$0.00} balance and marked Transferred/Sold. However, XXXX continues to report a balance owed under its name, which is misleading and damaging to my creditworthiness. 

3. Inconsistent & Conflicting Reporting The information XXXX furnishes is not uniform across the three major credit bureaus. Some reports list different delinquency dates, while others show varying statuses or balances. Under FCRA 1681s2 ( a ) ( 1 ) ( A ) & 1681s2 ( a ) ( 2 ), Verizon is obligated to provide accurate and consistent information. This discrepancy is causing direct harm to my ability to obtain credit. 

4. Continued Reporting Despite Dispute I have previously disputed this account, yet XXXX response addressed only billing details. They did not explain or correct the credit reporting inaccuracies, nor did they provide documentation showing how the DOFD and final balance are properly verified.

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 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I, XXXX XXXX am a victim of identity theft, request removal and deletion of the listed fraudulent accounts on my Transunion and Equifax credit report : 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 2025-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: IA

Complaint narrative:
On XX/XX/year> I deposited {$100.00} into a Cash App account. I accessed the account a few times ; however, when attempting to in XXXX of this year, my account could not be found. I contacted support twice via phone which led to an email exchange with a support manager. Initially, it seemed hopeful, but in the end he stopped responding. 

Note that at the manager 's direction, I created a new account using a different email address. 

Attached is the email thread, including an image of the debit card transaction from my bank statement. Also, attached is list of emails that I received from Cash App over time. 

As I stated in the email exchange, there is no doubt that I had an account at one time.

Company response to consumer: Closed with explanation