vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-20 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, 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 2025-02-20 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: NY

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: NY

Complaint narrative:
The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XX/XX/year> Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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: MD

Complaint narrative:
Prior CFPB # XXXX did not resolve the issues and if fact Equifax compounded their errors, by not fixing the issues and wrongly report for XX/XX/XXXX the balance had increased. Equifax reports the wrong balance for XX/XX/XXXX, and XX/XX/XXXX, as well as reports that there no available balance history for the months of XX/XX/XXXX and XX/XX/XXXX. The following is the correct historical monthly balances : XX/XX/XXXX ( {$2300.00} ), XX/XX/XXXX ( {$2200.00} ), XX/XX/XXXX ( {$2100.00} ), XX/XX/XXXX ( {$2000.00} ), and last payment XX/XX/XXXX ( {$1900.00} ). 

My Personal Installment loan originated XX/XX/XXXX and there are a total of 33 months of payments that have been paid. However, Equifax reinvestigation only reviews 28 months and does not account for the missing 5 months that were not reviewed. As a result of the most recent CFPB response, Equifax errors have resulted in a decreased in my FICO score by XXXX points. Their negatively impacting my ability to secure refinancing of my current mortgage and/or obtain a fair rate for Home equity line of credit. I request that I be financial compensated {$1000.00} for damages each and every month that Equifax unfairly reports the wrong balances that have negatively harmed me as a XXXX year old XXXX XXXX. I believe the damage fines will encourage Equifax to fair treat me as is my right under the Law

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: CT

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-02-20 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: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
I recently reviewed my credit report and noticed fraudulent activity, please investigate this immediately

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation

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 2025-02-20 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: NY

Complaint narrative:
My personal information was breached in the Equifax data breach. Adverse information was furnished to my consumer FICO report. Please review the attached items for more details. I expect these fraudulent accounts to be removed in 4 business days according to the FCRA

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 2025-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX texas XXXX claim XXXX Wells Fargo has faced significant scrutiny over its handling of disputed claims, particularly for conducting false investigations into customer complaints. In numerous instances, the bank has been accused of failing to properly and thoroughly investigate claims, leading to the wrongful denial of refunds, mishandling of disputes, and ignoring clear evidence of fraudulent activity. Customers have reported that their disputes were dismissed without proper review, and claims were marked as " resolved '' based on incomplete or fabricated findings. This has not only damaged Wells Fargo 's reputation but has also raised concerns about their commitment to ethical business practices and customer service. Such actions have led to investigations by regulatory bodies, resulting in fines and lawsuits, as well as a broader call for reform in the way financial institutions handle dispute resolutions.

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 2025-02-20 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: TX

Complaint narrative:
The following list of inquiries on my Transition Credit Report are fraudulent and are not inquiries I authorized. Name Requested On XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Request removal from my Credit Report as they are preventing me from obtaining rightful credit.

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 2025-02-20 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:
Good Afternoon. I only have one credit card with XXXX XXXX, a personal loan for {$2900.00} and a Mortgage payment with XXXXXXXX XXXX as a ACH monthly payment from my bank and this is all. I decided to call Transunion XXXX XXXX so they could explain to me why my credit beacon dropped XXXX points Since XXXXXXXX XXXX in thirty days from a score of about XXXX by XXXX XXXX wise credit for when i updated my current income and my credit allowed from {$2500.00} to {$5500.00} was increased in or around XXXX. So, according to XXXX at Transunion XXXX XXXX XXXXXXXX XXXX company decided to sell the portfolio to a XXXX XXXX XXXX on XX/XX/year> after two years of making direct ACH payments on time to them. XXXX, just told me that because XXXX XXXX XXXXXXXX sold the portfolio to another Mortgage XXXX called XXXXXXXX XXXX that because the account was closed and portfolio sold to another Mortgage company even though I did not close the account directly or indirectly this would affect my credit beacon XXXX points or close to it. they are reporting incorrect credit fico of XXXX points or close to this and that affects my credit as to opening any credit account or barrowing money and having to pay a higher interest rate on something I have no control which is XXXX. My income is almost {$100000.00} a year and I do not need credit. But this is highway robbery making me look like I do not make my payments on time or i am a dead beat. This credit issue reporting credit errors which are not true and correct need to be stopped and I want some one from the federal government to call them and have my credit score changed back to back to XXXX points.

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 2025-02-20 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: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/XXXX - I received a notification for a hard inquiry on my report. Immediately, I contacted all three credit bureaus to inform them that I did not submit a credit application and would like to file a dispute. They confirmed with me that the hard inquiry was from XXXX XXXX, and told me that I should call the creditor directly. Before reaching out to the creditor, I asked if there was any additional information needed from me to expedite the process, though I had no information/details on my end. I was assured that once I contact the creditor, they will then inform the XXXX credit bureaus that I was not the person who submitted the application. 

When I contacted the XXXX XXXX they confirmed that there was a credit application submitted in my name with a XXXX XXXX address attached to it. I told the representative that I have been living in XXXX, XXXX  for almost XXXX  years. Then, I was told that the creditor would reach out to the credit bureaus to inform them of the error and that it should be resolved within XXXX - XXXX  days. 

After the XXXX  day mark, I reach out to all entities to follow-up on the status of my dispute and was told to wait the full XXXX  days. Soon after, the hard inquiry dropped off of all reports except Transunion. 

I reached out on XX/XX/XXXX to get an update on my dispute ( Case # XXXX File # XXXX ) because the hard inquiry was still on my Transunion report. Unfortunately, I was told that my case was not being resolved between the credit and Transunion, and I needed to submit FTC report to resolve the issue.

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 2025-02-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
There was an issue on my credit report with a fraudulent and unauthorized inquiry that had been on my credit report. The issue began on XXXX XXXX with an unauthorized inquiry for a vehicle loan with XXXX XXXX XXXX . Despite my efforts to resolve the situation directly with the company, as well as the reporting credit bureaus ( XXXX ), including steps taken such as phone calls and informing them of the identity theft report I submitted with the FTC, and letters mailed, I have not been able to reach a satisfactory resolution. 
I am requesting that the Consumer Financial Protection Bureau intervene and assist me in resolving this matter. Specifically, I would like this fraudulent unauthorized inquiry removed from my credit reports immediately. 
Thank you for your time and attention to this matter. I look forward to your assistance in helping to resolve this issue promptly. 
Sincerely, XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I am writing to file a formal complaint regarding the deceptive practices I believe I have encountered in relation to my account ending in XXXX. 

I initially entered into a promotional agreement with Capital One that offered a low interest rate for a limited time. However, once the promotional period ended, my account was subjected to an excessively high interest rate. This has resulted in a situation where almost half of the balance I owe is now comprised of interest charges and fees. 

I firmly believe that this practice is unfair, and it seems to be affecting millions of consumers, potentially amounting to more than {$2.00} billion in unnecessary charges. I feel that this is a clear case of consumer exploitation, and I am deeply concerned that I am being negatively impacted. 

Despite my multiple attempts to reach out to Capital One for assistance in mitigating these charges and remove the excessive interest rates and additional fees, I have received no meaningful response. This situation is not only placing a heavy financial burden on me, but it is also severely damaging my credit score. 

I am requesting a full review of my account and a fair resolution to this issue. Specifically, I am asking for a reduction in the interest rate, the removal of unjust fees, and a correction to the negative impact on my credit score. If this matter is not addressed promptly and fairly, I will consider taking further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal counsel. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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:
Its absolutely infuriating that the accounts tied up in pending litigation are still on my credit report. Ive reached out to you time and time again to address the inaccuracies, but Im getting nowhere.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I submitted an initial complaint about excessive phone calls along with proof. I then received a letter dated XX/XX/year> stating that they received my request to cease all communications. I never requested this. I simply wanted the excessive calls to stop. If this is their response to my initial complaint, it is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 any 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: CA

Complaint narrative:
XXXX destroyed my credit for no reason. I had automatic payment set up, on XX/XX/XXXX the app malfunctioned not allowing for the automatic payment i had already set up to go through like the months prior. Less than XXXX hours later XX/XX/XXXX i noticed, and payed the balance accordingly. At first i was only allowed to pay the minimum balance, then the app malfunctions again charging me the full amount resulting in me overpaying. ( see XXXX XXXX star reviews for confirmation ) within a XXXX days i received a notification my XXXX XXXX had changed, XXXX points. I called my bank they did not help whatsoever even after i did as instructed and sent in a letter to their credit department. While this was taking place an additional XXXX points were subtracted from my score, the reason still unknown. I also found out that somehow XXXX claims i went over my credit limit by exactly XXXX dollar. So i contacted Transunion to dispute these events. Transunion removed the XXXX points but said they couldnt do anything about the XXXX when it should have never occurred. I don't understand how or why this is happening.

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 2025-02-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Regional Management Corporation
State: VA

Complaint narrative:
I borrowed a XXXX dollars and they added interest to the loan I would interest taken off my credit report and put accurate amount owed on credit

Company response to consumer: Closed with explanation