vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-23 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: IL

Complaint narrative:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$390.00} XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX **** Balance Owed : {$2000.00}

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 2025-01-23 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have a fraud alert on my credit report due to identity theft. I received a letter from a company about a data breach 3 months ago. I've mailed a certified letter twice about this issue to all three credit bureaus. Asking them to remove that item from my credit report. My identity was stolen from an insurance company. They told me to contact the Trade Commission and I did. They did not dispute the letter I sent to them.

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 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am filing a complaint against cash app due to inadequate customer service and unfair practices, which violates the consumer financial protection act. Specifically, cash app failed to take timely and effective measures to prevent and address fraud on there platform, leaving my account vulnerable. Their dispute resolution process was unfair and deceptive, as they do not comply with error resolution requirements under the electronic fund transfer act and regulation e. These actions have caused significant loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I was a victim of identity theft I been trying to clear all these fraudulent accounts and address and collections off my report that doesnt belong to me on top of that I have a few police reports to provide I have also sent the credit bureaus still nothing being done very unacceptable please help me get this matter resolved!!!!!!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was a victim of identity theft I been trying to clear all these fraudulent accounts and address and collections off my report that doesnt belong to me on top of that I have a few police reports to provide I have also sent the credit bureaus still nothing being done very unacceptable please help me get this matter resolved!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my XXXX credit report on ( XXXX XXXX ) and noticed some things are incomplete and not accurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 usc 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of Inaccurate or unverifiable information.

( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate of incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the result of the reinvestigation, and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

According to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2025-01-23 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: NV

Complaint narrative:
About 30 days ago I filed a dispute with Experian. This matter is about fraudulent charges on a XXXX XXXX card form 2018. I reported the fraud, a fraud alert was placed in my file and I reported this incident to law enforcement. That report was also submitted to Experian during my latest dispute. 

The facts are these. In 2018 someone opened a XXXX XXXX debit card without my knowledge. After 4 months of on time payments the person became late with the XXXX, and XXXX payments in 2018 in XXXX of 2018 the account was CLOSED. 

However after my latest dispute by some error this account was verified and updated as valid. 
This is impossible seeing that the account was CLOSED in XXXX of 2018. And considering the fact that no activity could possibly be occurring on that CLOSED account it is illogical to believe that a proper investigation was done in this matter. 

These actions are in direct violation of the FCRA. 

This information is patently false and I believe has been placed on my file as retaliation for filing the dispute multiple times. 
Also the FRCA mandates that late payments must be removed after 7 years. It has been 7 years since this fraud occured. 

Experian clearly is not investigating these matters.

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 2025-01-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
They sent a a message back same day of my dispute saying it was accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: O&L LAW GROUP, P.L.
State: OH

Complaint narrative:
On XXXX XXXX XXXX, my bank accounts were unexpectedly frozen due to a judgment placed on the accounts by the O & L Law Group. Upon investigation, I discovered that this judgment was based on debt information that does not belong to me. The debt is associated with a name that is not mine, and this situation appears to be a case of fraud. 

Without any prior communication or validation of this debt, O & L Law Group proceeded to garnish my wages and seize funds from my accounts. This action was taken without providing any of the following, which violates my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) : Validation of the debt as required by law. 
Proper notice regarding the debt and their intent to collect. 
Proof that the debt is indeed associated with me. 
These actions have caused significant financial hardship and emotional distress. I firmly believe that O & L Law Group obtained and used fraudulent or illegally obtained information to pursue this debt collection. Their failure to validate the debt and notify me violates federal consumer protection laws. 

I kindly request that the Federal Trade Commission investigate this matter thoroughly. Additionally, I am seeking assistance in recovering the funds that were unlawfully taken and ensuring that my consumer rights are protected moving forward. 

Thank you for your attention to this serious matter. I am available to provide additional information or answer any questions you may have.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

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 cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I attempted to contact Bank of America in multiple occasions since XXXX, via phone, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I have unauthorized charges made in my checking acct. and a credit card I did not requested or have from the bank with a balanced owed to this account. I could not access my mobile banking, called B of A for assistance. They have refused to help me numerous occasions in the years XXXX. 
Today, I was able to logged into a XXXX app. and reviewed past statements for XXXX 
I rang the Bank and notified Managers and supervisors of the fraud and multiple charges in my checking and c.c charges not recognized. They did not help me or freeze the accounts to prevent ongoing charges to my account without my consent. 
Please help me, I left over $ XXXX and now it is all gone. Bank is not taking responsibility. 
Kind regards, 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 explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I asked for my credit report to have accurate information about my bankruptcy chapter XXXX to be removed due to the XXXX now XXXX timeframe, nothing happened, and for my name to be correctly spelled out. I request that several addresses I have never lived at be verified and removed, they are on my report today 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 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I received a copy of my credit report and found the following personal information to be in error :.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I disputed this debt as I do not know anything about this debt and I have never done business with this company. The dispute was denied. This is not my debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: PA

Complaint narrative:
I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct the following items : XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance {$21000.00} XXXX XXXX Balance {$32000.00} XXXX XXXX Balance {$30000.00} XXXX  XXXX XXXX Balance {$5300.00} XXXX XXXX XXXX XXXX XXXX {$14000.00} XXXX XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX AND CO XXXX XXXX {$8100.00} XXXX XXXX XXXX XXXX Balance - XXXX XXXX XXXX Balance : {$8100.00} XXXX XXXX BA XXXX Balance : {$190.00} XXXX XXXX XXXX Balance {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: PA

Complaint narrative:
I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct the following items : XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance {$21000.00} XXXX XXXX Balance {$32000.00} XXXX XXXX Balance {$30000.00} XXXX XXXX XXXX Balance {$5300.00} XXXX XXXX XXXX XXXX XXXX {$14000.00} XXXX XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX AND CO XXXX XXXX {$8100.00} XXXX XXXX XXXX XXXX Balance - XXXX XXXX XXXX Balance : {$8100.00} XXXX XXXX BA XXXX Balance : {$190.00} XXXX XXXX XXXX Balance {$0.00}

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 2025-01-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: MI

Complaint narrative:
In XXXX XXXX University XXXX XXXX XXXX accepted me directly into their medical program while neglecting some factors that would underqualify other students but would place then in a XXXX program to help cover the qualification gap. I did not have classes that were requirements for others and I was not reccommended into their pre-education program. I was pressured to make a decision that seemed too good and the recruiter manipulated my emotions and expectations to make a quick decision. On XX/XX/XXXX I submitted my application for XXXX. XXXX seeking a loan discharge and forgiveness for fraud.

Company response to consumer: Untimely response
Consumer complaint received 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am filing a complaint against Cash App XXXX XXXX XXXX XXXX ) 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 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to request a correction to my personal information on file with your bureau. After reviewing my credit report, I have noticed inaccuracies in my name and address that need to be updated to reflect the correct information. 
Please update my personal details to the following : Full Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX I have enclosed copies of the necessary documentation to verify my identity and address. These documents include : XXXX. A copy of a recent utility bill or bank statement showing my correct address. 
I kindly request that you investigate and update my records promptly. Please send me confirmation once these corrections have been made. If you need additional information or have questions, you XXXX contact me at ( XXXX ) XXXX or XXXX. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: NY

Complaint narrative:
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 XXXX ( XXXX ) business days from the date of receipt of this letter. 
Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : 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 XXXX 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 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 2025-01-23 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: LEXISNEXIS
State: FL

Complaint narrative:
I recently reviewed my credit report and noticed several accounts that I do not recognize or recall ever opening. These accounts are as follows : XXXX. XXXX XXXX XXXX XXXX ( Account XXXX : XXXX ) XXXX XXXX  ( Account Number : XXXX ) I believe these accounts may have been reported inaccurately, and their presence is negatively affecting my credit report. I contacted the credit reporting agency to dispute these accounts and provided all necessary documentation, including my identification, but the accounts remain on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: NC

Complaint narrative:
When I became aware of the collection on my report I immediately contacted Equifax, informed them I was writing to address a matter of significant concern regarding actions ( or lack thereof ) that I believe may have resulted in negligent behavior and non-compliance with certain statutory requirements under Section 1681O, which governs civil liability for these actions. and requested an investigation. Equifax has not completed an investigation. This action, or failure to act, has caused undue harm and has led to a breach of the legal obligations as outlined in the aforementioned statute. 

As per Section 1681O, individuals or entities who engage in negligent practices or fail to comply with legal obligations may be held accountable for the resulting consequences. It is my belief that your organization has failed to meet the required standards, which has led to me being denied credit. 
The following is on my report : The violations on my credit report is from the following agency : 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 explanation