vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/year> i was notified that my SSN was used to open an account and I took all the steps to have account closed and hard inquiry removed from XXXX. 

I put a freeze on my credit but some how a month later on XX/XX/year> I got an alert from XXXX about a hard inquiry made by LLBMC/CBNA. I believe was denied because when i called they said there was no account with my SSN. But the Hard Inquiry is now on my Experian. 

I do believe my SSN has been sold. 

The thieves did change the address on my XXXX account so I have that screenshotted if you need it to make an arrest.

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 2025-02-06 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: VA

Complaint narrative:
This is the second and final notice demanding IMMEDIATE removal of the disputed, inaccurate, and derogatory items from the credit file associated with the estate of XXXX XXXX XXXX and [ XXXX, XXXX ]. 
ROUND 1 : Initial Dispute & Legal Foundation A formal dispute was sent notifying Experian of a data breach, fraudulent misreporting, and unlawful defamation of character on the report. You were provided notice of your obligation to investigate, verify, and immediately remove the inaccurate information.

However, your response which was viewed Monday XX/XX/XXXX, blatantly ignored federal consumer protection laws, as follows : 1. Violation of the Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681i o Experian has a duty to conduct a reasonable reinvestigation within 30 days of a consumer dispute.

o Your response falsely claimed that the information was " verified '' without any tangible proof of such verification. 
o Experian has failed to produce any documentation validating the accuracy of the reported derogatories. 
2. Violation of the Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681b o Your failure to properly investigate and remove incorrect data constitutes willful noncompliance and negligent misrepresentation.

o By refusing to remove the disputed items without verification, you are participating in malicious and fraudulent activity that continues to harm the estate.

3. Violation of the Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681c-2 o This provision explicitly mandates the blocking of information resulting from identity theft upon request. 
o You have refused to comply with this requirement and are now in direct violation of federal law. 
o Failure to immediately block this information constitutes gross negligence and intentional harm to the estate. 
4. Violation of 15 U.S.C. 45 ( FTC Act on Unfair & Deceptive Practices ) o Your response falsely claims that I " knowingly obtained '' the disputed transactions despite clear evidence of identity theft and fraud.

o Your deceptive business practice is an unfair trade practice under the FTC Act, subjecting you to enforcement actions and litigation.

5. Violation of 42 U.S.C. 1983 - Deprivation of Rights Under Color of Law o Experian is acting as an agent for third-party creditors while depriving the estate of equal protection and due process.

o By refusing to remove fraudulent information, Experian is engaging in systematic defamation

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 2025-02-06 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: TX

Complaint narrative:
There are accounts listed on my credit report that are incorrect and should not be associated with my name. This is not only unfair, but also alarming, as I have neither participated in nor authorized any activities related to these accounts. If you do not thoroughly investigate and correct these discrepancies, I will have no choice but to pursue legal action.

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 2025-02-06 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: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXXXX/XX/year> Re : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action. 
Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 
I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. 
I expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report.

This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. 
Thank you for your immediate action to this issue. 
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 2025-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lien Receivables LLC
State: CA

Complaint narrative:
Attempt to collect debt for towing on a vehicle I no longer own. Was granted to ex-husband in divorce in XXXX, debt is for XXXX. As of XX/XX/XXXX I was no longer legally responsible for this vehicle. Ex-husband apparently failed to file release of liability when he sold the vehicle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
On multiple occasions, starting on XX/XX/year>, I have written to Portfolio Recovery Associates requesting verification of an alleged debt. I have written them numerous times and they have failed to respond. 


PORTFOLIO RECOVERY ASSOCIATES XXXX Alleged Amount XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Whom It May Concern I am writing to formally request the removal of a bankruptcy filing from my credit report, as I believe its inclusion is in violation of my rights under consumer protection law. 

According to the Fair Credit Reporting Act ( FCRA ), specifically Section 605, negative information, such as a bankruptcy, is required to be removed after a specified period. Typically, bankruptcies are allowed to remain on a credit report for 7 to 10 years. However, the information currently listed on my report does not adhere to these guidelines, and I believe it may be unlawfully reporting beyond the allowable time frame.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), it is prohibited to report inaccurate or incomplete information that can harm a consumer 's credit. If the bankruptcy information on my report is inaccurate, outdated, or otherwise erroneous, I request its immediate removal. 

Please review this matter thoroughly and remove the bankruptcy record from my credit report. If you need any further documentation or clarification, I am happy to provide it. 

Thank you for your prompt attention to this issue. I look forward to receiving your confirmation that this matter has been resolved. 

Please have these bankruptcy accounts removed from my credit report it is violating my rights in the law 15 U.S. Code 1681 ( c ) 2, 15 U.S. Code 1681 ( a ) 4. 


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 XXXXXX/XX/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 2025-02-06 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Whom It May Concern I am writing to formally request the removal of a bankruptcy filing from my credit report, as I believe its inclusion is in violation of my rights under consumer protection law. 

According to the Fair Credit Reporting Act ( FCRA ), specifically Section 605, negative information, such as a bankruptcy, is required to be removed after a specified period. Typically, bankruptcies are allowed to remain on a credit report for 7 to 10 years. However, the information currently listed on my report does not adhere to these guidelines, and I believe it may be unlawfully reporting beyond the allowable time frame.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), it is prohibited to report inaccurate or incomplete information that can harm a consumer 's credit. If the bankruptcy information on my report is inaccurate, outdated, or otherwise erroneous, I request its immediate removal. 

Please review this matter thoroughly and remove the bankruptcy record from my credit report. If you need any further documentation or clarification, I am happy to provide it. 

Thank you for your prompt attention to this issue. I look forward to receiving your confirmation that this matter has been resolved. 

Please have these bankruptcy accounts removed from my credit report it is violating my rights in the law 15 U.S. Code 1681 ( c ) 2, 15 U.S. Code 1681 ( a ) 4. 


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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TN

Complaint narrative:
I 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 2025-02-06 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: MD

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
my credit information being use without consent and fraud report and stolen identity thru Experian

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 2025-02-06 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: TX

Complaint narrative:
Withholding my ability to see my overall report. Credit bureau stated my info was incorrect when it was. Items that have been paid off are showing as still open

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Withholding my ability to see my overall report. Credit bureau stated my info was incorrect when it was. Items that have been paid off are showing as still open

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 2025-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I 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 2025-02-06 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: 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 Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX  Account # : XXXX XXXX Account # : XXXX XXXX  Account # : XXXX XXXX  Account # : 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 non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I'm not able to use the gift card online or local shops.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: GA

Complaint narrative:
I contacted Equifax regarding some unauthorized inquiries that were listed on my credit report. The items listed below are requested for deletion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax 's Fraud Department would not assist with deleting the negative inquiries reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: CA

Complaint narrative:
I checked out my credit profile and realized there was some hard inquiries that are not mine.

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 2025-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
My credit card payment was due on XX/XX/year>, and I had set up an automatic payment for that day in advance. However, when I logged into my bank account on XXXX, I saw that the payment had not been made. This resulted in an overdue balance on my credit card. As soon as I noticed this, I immediately paid off the full amount.

However, they charged me a late fee of {$29.00} and interest of {$290.00}. I contacted them to dispute the charges, and they agreed to refund only the late fee, but not the interest.

I find this quite unreasonable. First of all, I didnt intentionally miss my paymentI had set up the payment date in advance, but for some unknown reason, the payment wasnt processed. I also made sure that there were sufficient funds in my checking account to cover the credit card payment.

Secondly, I have been a customer of this credit card for six years, and my payment history has always been excellent, with no negative records. I dont think this is the right way to treat a loyal customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: MO

Complaint narrative:
I recently looked at my credit profile and noticed there were a number of fraudulent accounts, addresses and inquiries on my credit that I did not give my consent for. Those accounts, addresses and inquiries consist of the following : Address : XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX MO XXXX The fraudulent accounts that I am referencing a consist of the following : XXXX XXXX  balance XXXX XXXX XXXX XXXX balance XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The the fraudulent inquiries that I am referencing consist of the following : 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