vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-04 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: TN

Complaint narrative:
I disputed the company XXXX XXXX XXXX with Experian, because it was part of an identity theft fraud case. Experian refused to remove it from my credit report despite having a police report showing that this was fraud. XXXX XXXX management purchased this debt from XXXX. XXXX XXXX XXXX not only does not hold the contract but also failed to acknowledge that this debt was part of identity theft.

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 2025-02-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Continental Finance Company, LLC
State: OK

Complaint narrative:
XX/XX/scrub>XXXX  ; I processed a one-time payment of XXXX It did NOT process within the before/by XXXX XXXX XXXXXXXX time as stated so I cancelled the payment and on XXXX before XXXX XXXX after Midnight the payment processed by deducting {$4.00} from my XXXX prepaid checking account anyway even though it is not due to it not being due until XXXX XXXX XXXX and is the minimum payment amount due is/will be {$45.00} a month until repaying the {$750.00} credit card loan balance. My issue now is that the credit card site reads- {$4.00} adjustment though it's not increased to decrease my actual overall almost {$750.00} balance due on the credit card.

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 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Financial, Inc
State: WA

Complaint narrative:
I am writing to file a formal complaint against Fidelity National Financial ( FNF ) regarding unauthorized sharing of personal information and potential violations of privacy laws. As a consumer who has had transactions with FNF in XXXX XXXX XXXX XXXX, I have discovered practices that appear to violate FNF 's stated privacy policies and applicable privacy laws. 
Nature of Complaint : Unauthorized Data Sharing : I have evidence suggesting that an FNF employee, specifically a Vice President at Fidelity National Title in XXXX, XXXX has shared or sold customer lists containing personal information to third parties not affiliated with FNF and not offering financial services.

Violation of Privacy Policy : This action appears to be in direct violation of FNF 's stated privacy policy and potentially violates state and federal privacy laws, including the Gramm-Leach-Bliley Act ( GLBA ).

Inadequate Response : Upon discovering this information, I have made multiple attempts to address this issue directly with FNF at both the regional and corporate levels. However, the responses I have received have been inadequate and fail to address the specific concerns raised. 
Potential Systemic Issues : Given the nature of the violation and the lack of a satisfactory response from FNF, I am concerned that this may not be an isolated incident but could indicate broader systemic issues in FNF 's data handling practices across multiple states. 
Attempts at Resolution : On XX/XX/year>, I sent an initial email to FNF 's privacy team requesting information about their data sharing practices and policies.

After receiving an unsatisfactory response, I sent follow-up emails and made phone calls to various FNF representatives , including XXXX XXXX XXXX Fidelity 's XXXX Operations President. 
I attempted to escalate the matter within FNF, seeking to discuss the issue with appropriate personnel who could address my concerns regarding the unauthorized sharing of customer data.

Despite these efforts, FNF has failed to provide a substantive response to my specific concerns or to demonstrate that they are taking the matter seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-02-04 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
Cease and Desist Demand & Immediate Removal of Incorrect Debt from My Credit Report This letter serves as a formal demand that you immediately cease and desist all communication with me regarding an inaccurate and disputed debt that you have wrongfully attempted to collect. Additionally, you must immediately remove any false or incorrect debt listings from my credit report and cease any further reporting of such erroneous information to credit bureaus. 

Dispute of Debt & Failure to Verify Per Legal Requirements Upon reviewing my credit report, I have found that you have falsely reported a debt that is either : Incorrect, outdated, or fraudulent Not legally enforceable Misattributed to me Furthermore, you have failed to verify this debt in accordance with federal and Florida consumer protection laws. As per the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, upon my initial dispute, you were required to provide proper validation of this debt, yet you failed to do so. Without proper verification, you do not have the legal right to continue collection efforts or report the debt to credit bureaus.

Violations of Florida & Federal Laws 1. Failure to Verify the Debt FDCPA 15 U.S.C. 1692g Under this law, you were required to provide me with written validation of the alleged debt, including details on its origin and legitimacy. Your failure to do so means you are violating federal consumer protection laws by continuing to collect or report this debt.

2. Florida Consumer Collection Practices Act ( FCCPA ) Florida Statutes 559.72 ( 9 ) It is illegal for a creditor to attempt to collect a debt or report a debt to a credit bureau that is not properly verified, false, or otherwise disputed. 
3. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 As a furnisher of credit information, you are legally required to ensure the accuracy of any debt you report to credit bureaus. Failure to verify this debt and continuing to report incorrect information violates my consumer rights and subjects you to legal consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: CA

Complaint narrative:
This is my formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IN

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 2025-02-04 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: FL

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

I demand the late payment reported to be removed/updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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:
Consumer Name : XXXX XXXX Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX  XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: U.S. BANCORP
State: RI

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done.

These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!

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 2025-02-04 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: FL

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: CA

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : 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 a 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: GA

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

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 2025-02-04 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: MA

Complaint narrative:
XXXX XXXX Illegally posted somebody else 's debt on my credit reports. Both Experian and XXXX XXXX. I filed two disputes with Experian and one was ignored and the other was complete in 24 hours denying my dispute with no reasons or explanations. Nothing I have ever heard of gets done in 24 hours with Experian. When I called Experian, I said How can they verify debt when it doesn't belong to me and when XXXX XXXX  Never contacted me about this debt. I wasn't given any InfoMation other than they will check into it, and they were having computer issues. The only thing I was able to get was the account number that was associated with the debt. Also Experian has refused to remove a name that does not belong to me, An address that does not belong to me and they are furnishing my credit report to unauthorized companies that do not have permissible permission. I have asked and disputed with Experian about these other issues for over a year and they refuse to remove them. How can I have two different names? They are reporting false info on my reports for years and refuse to do anything about it.

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 2025-02-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
ON XX/XX/year> I PURCHASED A LIFETIME MEMBERSHIP TO XXXX RELOCATION TOURS FOR APROXAMATELY {$530.00} WITH A VETERANS DISCOUNT ( REGULARLY {$590.00} ). 
THIS MEMBERSHIP GAVE ME ACCESS TO THE WEBSITE, XXXX XXXX, AND XXXX XXXX TO ACCESS DISCOUNTS AND CONTACTS FOR MY UPCOMING MOVE TO XXXX. ON XX/XX/XXXX, I WATCHED A XXXX XXXX BY THIS GROUP REGARDING XXXX XXXX IN XXXX. THE NEXT DAY SEVERAL VETERANS AND MYSELF WERE ON A DIFFERENT XXXX XXXX  AND WERE DISCUSSING HOW THE VIDEO WASN'T HELPFUL AND DID NOT PROVIDE ACCURATE INFORMATION. IMMEDIATELY I BEGAN GETTING THREATENING COMMENTS FROM THE XXXX XXXX TOUR OWNER AND HER EMPLOYEES. THIS XXXX  OF XXXX  WAS XXXX  FOR SEVERAL DAYS. WHEN I TRIED TO LOGIN TO MY ONLINE ACCOUNT THAT I PAID FOR LIFETIME ACCESS I FOUND MY ACCOUNT WAS BLOCKED. I TRIED TO QUESTION THE OWNER BUT HAD ALSO BEEN BLOCKED FROM THE XXXX XXXX AND XXXX XXXX. I RECEIVED A NASTY EMAIL FROM THE OWNER SAYING I HAVE BEEN BLOCKED FOR VIOLATING TERMS OF SERVICE. THERE WERE NO TERMS LISTED WHEN I PURCHASED MY MEMBERSHIP, I HAVE BEEN UNABLE TO REQUEST A REFUND BECAUSE SHE BLOCKED ME AND LIVES IN XXXX. I REQUESTED ALLY CREDIT CARD TO REFUND MY MONEY BECAUSE THIS LIFETIME MEMBERSHIP WAS BLOCKED AFTER ONLY TWO MONTHS BECAUSE I EXPRESSED AN OPINION AND THEY DID NOT LIKE IT. I ATTACHED ALL CORRESPONDENCE AND SENT NUMEROUS DOCUMENTS TO ALLY SEVERAL TIMES. I'VE SPOKEN WITH OVER A DOZEN REPRESENTATIVES AND SUPERVISORS. THEY ADVISED ME ON XX/XX/XXXX THAT MY CLAIM WAS ESCALATED AND I WOULD HAVE A RESPONSE IN 7-10 DAYS. I'VE BEEN CALLING THE LAST SEVERAL DAYS ASKING FOR A SUPERVISOR SO I COULD FIND OUT WHY THEY HAVEN'T RESPONDED. THEY TELL ME NO SUPERVISOR IS AVAILABLE AND I HAVE NOT BEEN CALLED BACK AS PROMISED. I JUST WANT MY MONEY BACK. 

THANK YOU, 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 2025-02-04 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
The contract/documentations that was signed for the auto loan

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