vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: TX

Complaint narrative:
I was charge by a company that posed to be XXXX XXXX l when contacting them via phone to handling a negative that is been reported to my credit report. The rep told me that it was discrepancy because the dates where errors on my credit report. I ask the rep to provide me with a letter about this error to provide to an apartment complex I was trying to move-in. The rep told me that I will need to pay {$370.00} on XX/XX/2024 for the letter and will receive it within 24 to 72 hours via email. When I received the letter on XX/XX/2024, it didn't say anything about XXXX XXXX was reported as a error on my credit report. Then the same company that posed to be XXXX XXXX sent me a email to settle the for {$440.00}. I dispute the amount I was charge {$370.00} due to the false information from the company that posed to be XXXX XXXX  but was actually XXXX XXXX with CashApp and explain my issue in the dispute with CashApp and they denied my dispute. The rep mislead me and didn't not tell me that I was enrolling in a credit repair program. If I had of known this I would not made the transaction, I would had put the amount towards the settle amount with XXXX XXXX. The rep didn't mention this at all and misled me to do a transaction of something that did not help me to move into this apartment complex. 

This is my third attempt file this compliant and no rep from CashApp has reach out to me about this case. CashApp close out the compliant and do not resolve the issue correctly. If CashApp can not protect its customer from being mislead or fraud, they should not be operating business at all. I not the only customer, when it comes to disputing a charge with CashApp, they decline the dispute and say the transaction is correct, when its not correct at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am here requesting a re-investigation of my consumer report. I understand Experian has been violating consumers rights 15 U.S.C 1681e ( b ) & 15 U.S.C 1681 ( a ) see Consumer financial protection bureau Vs Experian information solutions inc .

I have an inaccurate invalid public record on my credit report which is violation on evasion of purpose requirement 2.5.4.3 see XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

FCRA explains how errors can occur in public records see case XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Transunion , Experian & XXXX is also in violation of 15 U.S.C 1681 602A states I have the right to privacy section 604 states A states CRA must have written consent. 

XXXX also has a pending court case which violates the same rights as mines see case XXXX v XXXX XXXX XXXX XXXX XXXX. I am uploading proof of inaccuracys. 

XXXX is attempting to use boilerplate language to not identify as a CRA see XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XX/XX/XXXX ) Pacer, Bankruptcy court gov doesnt correspond with nor confirm information with CRAs as they do not have any jurisdiction. I am requesting immediate deletion of this public record on my credit 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 explanation
Consumer complaint received 2025-03-29 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: LCI Acquisition Inc.
State: NY

Complaint narrative:
I am here requesting a re-investigation of my consumer report. I understand XXXX has been violating consumers rights 15 U.S.C 1681e ( b ) & 15 U.S.C 1681 ( a ) see Consumer financial protection bureau Vs XXXX XXXX XXXX XXXX XXXX 

I have an inaccurate invalid public record on my credit report which is violation on evasion of purpose requirement XXXXXXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX 

FCRA explains how errors can occur in public records see case XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) XXXX XXXX XXXX & LCI is also in violation of 15 U.S.C 1681 602A states I have the right to privacy section 604 states A states CRA must have written consent.

LCI also has a pending court case which violates the same rights as mines see case LCI v XXXX XXXX XXXX XXXX XXXX. I am uploading proof of inaccuracys. 

LCI is attempting to use boilerplate language to not identify as a CRA see XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XX/XX/XXXX ) Pacer, Bankruptcy court gov doesnt correspond with nor confirm information with CRAs as they do not have any jurisdiction. I am requesting immediate deletion of this public record on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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:
I just recently looked at my credit report XX/XX/year>. I saw some hard inquiries that did not have permissible purpose. 

XXXX. XXXX XXXX XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 2. [ XXXX XXXX XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 3. XXXX XXXX XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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 instructed the credit agencies to remove all non-XXXX  addresses. I also instructed them to take off any and all adverse information on my credit profile to validate the debt. They chose to try to send copies digital copies with no signatures wedding of valid as a form of validation, which Im not accepting and Im demanding that it be removed

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 2025-03-29 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
Once in XXXX, once this month. I have submitted payments for my card EARLY or on time, they do not deduct the payment, then add a XXXX dollar late fee even though I submitted the payment on the correct day. I called them the last time they did it and they effectively said they can do whatever they want.

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 2025-03-29 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: LA

Complaint narrative:
I need your help investigating accounts from companies that have inaccurately reported late payments. After reviewing my credit report, I found certain accounts showing late payments that should not be there. There should be no late payment remarks on these accounts. Please remove these remarks and update the accounts to reflect a positive status as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I reviewed my credit report and found several fraudulent accounts that do not belong to me. These accounts were opened without my authorization, negatively impacting my credit score. I have contacted the creditors involved and confirmed that these accounts were opened fraudulently. Additionally, under the Fair Credit Reporting Act ( FCRA ), the credit bureau is required to investigate and verify all reported accounts, yet they have not provided proper verification. I am submitting identity theft reports and supporting documents, including an FTC report, to prove that I did not authorize these accounts. I request immediate action to have them removed and my credit report corrected.

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 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Please see attached documents. Do not close this complaint stating it is not me. I am a natural person and 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 2025-03-29 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-03-29 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: GA

Complaint narrative:
I recently obtained a copy of my credit report from Equifax and discovered multiple fraudulent accounts that I did not open or authorize. I am a victim of identity theft, and I am formally disputing the following accounts as fraudulent. 
Under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), I am requesting the immediate block and removal of these accounts and related inquiries from my credit file. 
Fraudulent Accounts Identified Equifax XXXX Account Number : XXXX Status : Unauthorized account XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX. ) Account Number : XXXX Status : Unauthorized collection account XXXX XXXX XXXX Account Number : XXXX Status : Unauthorized account SECURITY Account Number : XXXX Status : Unauthorized account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 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: LA

Complaint narrative:
I am sending this complaint to address discrepancies in my credit report and seek a fair solution. I respectfully request that credit bureaus ensure my personal identifying information is accurate, including my full legal name, current address, date of birth, and the last four digits of my Social Security number. Any incorrect, outdated, or unverified information should be promptly corrected or removed to reflect the truth. 

XXXX XXXX XXXX {$900.00} Date of Last Activity : XX/XX/XXXX Payment Status : Current Late : XXXX, XXXX XXXX, XX/XX/XXXX XXXX XXXX BALANCED {$2200.00} Date of Last XXXX Payment Status : Late XXXX Days late : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX BALANCED {$720.00} XXXX XXXX XXXX XXXX XXXX {$690.00} XXXX XXXX BALANCED {$810.00} XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/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 2025-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I do not know what Comenity bank is but they are calling and harassing me XXXX. I do not have an unpaid debt with them. They are calling my extended family at the numbers XXXX, XXXX and XXXX. They are calling at XXXX PM and contacting third parties in Tennessee that have nothing to do with me. I have not received any written communication from this company describing a debt that I owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 


Disputed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX  {$230.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$520.00} XXXX - DEPTEDXXXX XXXX XXXXXX/XX/XXXX XXXX  {$58000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$800.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$9900.00} XXXX - XXXX XXXX XXXX XXXX XXXX$610.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} Hard Inquiries to Be Removed I request the removal of the following hard inquiries unless verifiable, signed proof of my authorization can be provided 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 non-monetary relief
Consumer complaint received 2025-03-29 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: MI

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 


Disputed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX  {$230.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$520.00} XXXX - DEPTEDXXXX XXXX XXXXXX/XX/XXXX XXXX  {$58000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$800.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$9900.00} XXXX - XXXX XXXX XXXX XXXX XXXX$610.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} Hard Inquiries to Be Removed I request the removal of the following hard inquiries unless verifiable, signed proof of my authorization can be provided 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 2025-03-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Again " XXXX. '' I've asked you this twice so stop writing a long written response and ignoring my questions. on XX/XX/year> and spoke to them for XXXX hour XXXX minutes you stated the card will be closed down and charged off. Your representative in a phone recording said and I quote. There will be no more fees or charges added as of this date. The account is closed. So with all the fraud on this account ( which you guys flagges and emailed me before I even caught it by the way ). So how does it go from {$11000.00} to XXXX in extra fees and interest if in fact the account was closed as of that date. In your first letter you stated you added interest and fees up to XX/XX/XXXX date. Correct? Answer this question. Then in your second letter you contradicted yourself and your stated it was in fact closed in XXXX but the extra {$2500.00} is the late fees and charges for that XXXX and only month. How do I get roughly {$2500.00} as a late charge in one month. Which by the way. Is impossible because the prior months payments were missed and they were no where near {$2500.00}. So how do I get {$2500.00} in Late Charges and Fees from one single month? Answer that question XXXX. Dont avoid it. Im asking you. Also, why did you avoid my question in the prior document about all the negative reviews on BBB amd XXXX writing an almost identical story. Answer that question as well.

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 2025-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I requested to get a contract of the original debt and the company refuses to do so and I have requested a cease and desist and the creditor continues to call and send debt owing letters.

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