vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-06 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Apt XXXX. 
XXXX, GA XXXX XXXX XXXX XX/XX/XXXX TD Bank XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Dear Sir/Madam, I am writing to dispute the following information on my credit report as it is the result of identity theft. I have not authorized any transactions or accounts with TD Bank XXXX XXXX XXXX The fraudulent information includes : Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Under Section 605B of the Fair Credit Reporting Act, I am requesting that you block the reporting of this information to any consumer reporting agencies within four days.

Please investigate this matter and remove the fraudulent information from my credit report. I appreciate your prompt attention to this issue and look forward to your confirmation that the information has been blocked.

Additionally, I would like to bring to your attention the following legal references that support my dispute : 5536 ( a ) ( 1 ) ( A ) ( B ), 5564, and 5565 : These sections highlight the obligations of consumer reporting agencies to reasonably reinvestigate consumer disputes and ensure the accuracy and completeness of information in consumer reports. XXXX, one of the largest consumer reporting agencies, has been found to violate these obligations by failing to forward all relevant information to furnishers, failing to provide adequate notice to consumers of the outcome of their disputes, and failing to utilize reasonable procedures to ensure the accuracy and completeness of information in consumers files. 

These failures hinder the reinvestigation. As a result of the above, XXXX fails to conduct a reasonable reinvestigation and convey all relevant information to furnishers, which causes or increases the risk that inaccurate information remains in consumers files. 

Please investigate this matter and remove the fraudulent information from my credit report. I appreciate your prompt attention to this issue and look forward to your confirmation that the information has been blocked. 

Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: AL

Complaint narrative:
To Whom It May Concern : I am writing to formally dispute the alleged debt referenced in your recent communication. Pursuant to 15 U.S.C. 1692g, I request validation of the debt. Specifically, please provide the following : 1. The name, address, and contact information of the original creditor.

2. A detailed breakdown of the debt amount, including the principal, interest, fees, and any payments made.

3. Documentation of the chain of assignment, showing all transfers of the debt from the original creditor to your company. This should include : Copies of all agreements, bills of sale, or other documents evidencing the transfer of ownership.

Proof that my specific account is included in the transfer ( s ).

4. A copy of the forward flow agreement or relevant portions thereof, demonstrating your right to collect this debt, and whether it includes my specific account.

Please note that until this information is provided, I do not recognize or acknowledge this debt. I request that you cease all collection efforts, as required by law, until proper validation has been completed. 

This request ensures that the debt collector is held to a high standard of proof, increasing the likelihood that only legitimate debts are pursued. 

DO NOT SEND ME NO STATEMENTS! SEND ME THE ABOVE MENTION. IF NOT, DELETE IMMEDIATELY!! 

XXXX XX/XX/year> XXXX XXXX

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I never authorized the inquiries your company has placed 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: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MO

Complaint narrative:
I am filing a complaint against cash app ( block , inc ) due to inadequate customer service and unfair practices. Which violates the consumer financial protection act. ( CFPA ) SPECIFICALLY cash app failed to take timely and effective messures 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 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 information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX - XXXX No knowledge of this account

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: MA

Complaint narrative:
I am submitting this formal dispute regarding the late payment entries on my credit report : XXXX XXXX - XXXX - {$5700.00} XXXX XXXX XXXX - XXXX - {$0.00} These records do not reflect my actual payment history and should be corrected. I have made multiple attempts to get this matter resolved, providing all relevant documentation and following up persistently, yet the errors remain. This situation has not only impacted my financial health but has also caused me a great deal of frustration and stress. 

The Fair Credit Reporting Act ( FCRA ) ensures my right to an accurate credit report. Any incorrect, outdated, or misleading information should be promptly removed or updated. I urge you to take immediate action to correct these records. 

Please prioritize this matter, as these errors are negatively affecting my credit standing. I look forward to your timely 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: MI

Complaint narrative:
I have recently obtained a copy of my credit file and the information listed below does not relate to any transactions that I have made ; therefore I am requesting that these items be completely removed/deleted and blocked from my credit file : AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DATE OPENED : XX/XX/XXXX BALANCE : {$0.00} ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXXATE OPENED : XX/XX/XXXX BALANCE : {$780.00} ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX DATE XXXX : XX/XX/XXXX BALANCE : {$0.00} ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX DATE OPENED XXXX XX/XX/XXXX BALANCE : {$0.00} ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$0.00} ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$43000.00} ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$27000.00}

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: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit report contains incorrect personal information, which has led to unknown and inaccurate accounts appearing on my record. These accounts do not belong to me, and I demand their immediate removal. I have already provided supporting documentation to prove these accounts are fraudulent, yet the issue remains unresolved. Additionally, my personal information needs to be updated accurately to prevent further errors or potential fraud.

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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 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 information incorrect
Company: CCF Intermediate Holdings LLC
State: CA

Complaint narrative:
This account has been paid either in full or through settlement.

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 information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This account has been paid either in full or through settlement.

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 fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Date : XX/XX/year> Subject : Unauthorized Fraud Alert Placed on My Credit Profile Complaint Summary : I am filing a complaint regarding an unauthorized fraud alert that has been placed on my credit profile by Experian, Equifax, and TransUnion. I did not request, authorize, or instruct any of the credit bureaus to place a fraud alert on my credit file, and I am experiencing ongoing issues as a result of this erroneous alert. The fraud alert is causing problems in obtaining credit, and despite contacting all three bureaus to have the alert removed, no action has been taken to resolve the issue.

Details of the Situation : Fraud alert was placed on my credit profile by Experian, Equifax, and TransUnion without my consent.

I have never contacted any of these credit bureaus to request such an alert or provide any instructions regarding my credit. 
I have reached out to each of these bureaus to have the fraud alert removed, but no satisfactory resolution has been provided. 
The existence of the fraud alert is interfering with my ability to obtain credit, which has caused significant inconvenience. 
Requested Resolution : I request that the fraud alert be immediately removed from my credit file, and that any negative impact caused by this incorrect alert be corrected. I also ask that each credit bureau provide me with written confirmation that the alert has been removed and that my credit profile has been restored to its proper state.

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 fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Date : XX/XX/year> Subject : Unauthorized Fraud Alert Placed on My Credit Profile Complaint Summary : I am filing a complaint regarding an unauthorized fraud alert that has been placed on my credit profile by Experian, Equifax, and TransUnion. I did not request, authorize, or instruct any of the credit bureaus to place a fraud alert on my credit file, and I am experiencing ongoing issues as a result of this erroneous alert. The fraud alert is causing problems in obtaining credit, and despite contacting all three bureaus to have the alert removed, no action has been taken to resolve the issue.

Details of the Situation : Fraud alert was placed on my credit profile by Experian, Equifax, and TransUnion without my consent.

I have never contacted any of these credit bureaus to request such an alert or provide any instructions regarding my credit. 
I have reached out to each of these bureaus to have the fraud alert removed, but no satisfactory resolution has been provided. 
The existence of the fraud alert is interfering with my ability to obtain credit, which has caused significant inconvenience. 
Requested Resolution : I request that the fraud alert be immediately removed from my credit file, and that any negative impact caused by this incorrect alert be corrected. I also ask that each credit bureau provide me with written confirmation that the alert has been removed and that my credit profile has been restored to its proper state.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence l provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence l provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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: CA

Complaint narrative:
I am formally disputing the following late payment entries on my credit report : XXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX - XXXX - {$0.00} These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I am formally disputing a late payment reported on my credit account by XXXX Account # XXXX XX/XX/2024 and XX/XX/2024. 
According to 15 USC 1666b, creditors are required to send periodic statements with the information specified in 15 USC 1637b. I request that XXXX account # XXXX provide proof that these periodic statements were sent in compliance with these regulations.

Specifically, I request the following 1. Proof that the periodic statement containing the required information under 15 USC 1637b was sent to me.

2. Evidence that these documents were mailed and delivered, including a receipt with my signature confirming that I received them.

3. Verification that the periodic statement was sent at least 21 days before the payment due date.

4. Proof that a negative information notice was sent regarding the late payment, as required by law.

I believe I did not receive the necessary documentation within the required timeframe, and I am requesting you to investigate this matter thoroughly. Please provide the aforementioned proofs to substantiate the late payment claim. 
Thank you for your prompt attention to this matter. I look forward to your response and resolution.

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: Improper use of your report — Reporting company used your report improperly
Company: CAINE & WEINER COMPANY, INC.
State: MI

Complaint narrative:
XXXX is violating my consumer rights. They are fraudulently letting CAINE & WEINER COMPA, management number XXXX report a fraudulent account on my credit profile. I have never heard of this company, nor should they have any information of mine. I was suspicious so I looked this company up on my Secretary of State website and seen that they aren't licensed to do business/collect a debt in my state. They are illegally doing business in Michigan. I'm asking you to enforce to enforce the laws on XXXX for failure to investigate as I'm a federally protected consumer. I will also be reporting both XXXX and CAINE & WEINER COMPA to the IRS filling out form 3949- A information referral for unreported income since XXXX gets paid from this company and this company isn't licensed to do business in my state, leads me to believe they are exporting people for money and not reporting it to the IRS XXXX I will also be reporting both companies to the Attorney General and Better Business Bureau. I attached proof that CAINE & WEINER COMPA isn't allowed to do business in my state. If the account isn't removed in 30 days, I'll also be filing the attached forms to sue both companies for defamation of character. They are making me look noncreditworthy to other lender and I have been denied credit due to this matter. It has caused me great emotional distress and my doctor has prescribed me Trazodone because I haven't been able to sleep at night due to the financial and emotional harm these two companies have caused. I know that CAINE & WEINER COMPA pays XXXX to report inaccurate information and XXXX refused to give me a fair investigation for their financial gain

Company response to consumer: Closed with explanation