vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-19 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: GA

Complaint narrative:
I am writing to formally dispute and request the immediate removal of all negative accounts and tradelines associated with XXXX XXXX ( XXXX ) appearing on my credit report. 

In XX/XX/year>, I reached a legally binding settlement with XXXX, through their litigation department, in which they released me of all debt obligations and explicitly agreed to remove any and all negative accounts from all credit bureaus. I have attached the signed settlement agreement as documentation. 

Despite this agreement, these accounts remain on my credit file in violation of both the settlement terms and the Fair Credit Reporting Act ( FCRA ). Under the FCRA, credit reporting agencies are required to ensure that all reported information is accurate and complete. Failure to remove these accounts, given the binding legal settlement, constitutes inaccurate reporting. 

I am demanding that you comply with federal law and remove these accounts from my credit report immediately. Please provide written confirmation once these accounts have been removed. 

Attached are copies of : The settlement agreement signed by XXXX A copy of my identification I expect this matter to be resolved within 30 days, as required by law. If not, I will escalate this issue by filing complaints with the CFPB, FTC, and will pursue legal action as necessary. 

Thank you for your attention to this matter.

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 2025-03-19 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I am writing to formally dispute and request the immediate removal of all negative accounts and tradelines associated with American Express ( AMEX ) appearing on my credit report. 

In XX/XX/year>, I reached a legally binding settlement with AMEX, through their litigation department, in which they released me of all debt obligations and explicitly agreed to remove any and all negative accounts from all credit bureaus. I have attached the signed settlement agreement as documentation.

Despite this agreement, these accounts remain on my credit file in violation of both the settlement terms and the Fair Credit Reporting Act ( FCRA ). Under the FCRA, credit reporting agencies are required to ensure that all reported information is accurate and complete. Failure to remove these accounts, given the binding legal settlement, constitutes inaccurate reporting. 

I am demanding that you comply with federal law and remove these accounts from my credit report immediately. Please provide written confirmation once these accounts have been removed. 

Attached are copies of : The settlement agreement signed by AMEX A copy of my identification I expect this matter to be resolved within 30 days, as required by law. If not, I will escalate this issue by filing complaints with the CFPB, FTC, and will pursue legal action as necessary. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-19 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: OH

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

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 2025-03-19 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: SC

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: IL

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
I paid my auto loan in full and received my title in the mail however, I received a notice from the credit reporting agencies that my credit score significantly decreased due to a charge off amount from the auto loan which is inaccurate. This is causing me stress and it is unlawful. It has drastically hurt my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-19 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I made a purchase on my Lane Bryant account for about {$180.00} and made my payment in XX/XX/year> for {$100.00}. I lost track because I had to travel, etc. When I saw a notification that I still owed {$89.00}, I sent {$120.00} in XX/XX/year> in case I had accrued more fees. I thought this was resolved. In XXXX, I started receiving phone calls. I explained the situation and the person was dismissive, stating to pay half at the time to resolve it. I said I had nothing to resolve as everything was paid, probably with a credit back in XXXX. Based on this, I wasn't sure if I was getting scammed, but I keep getting calls from Comenity over this. WHY? The bill had been paid off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am writing to dispute a charge-off that has been reported on my credit report. I noticed the following entry on my credit report that I believe may be inaccurate : Account Name/Number : XXXX Charge-Off Date : XXXX Creditor : Capital One This account was charged off by the creditor, but I did not receive a XXXX ( Cancellation of Debt ) form for the debt. According to IRS guidelines, a creditor must issue a XXXX form when they cancel or forgive a debt of {$600.00} or more. As I have not received this form, I am requesting that the reported charge-off be investigated and corrected. 

To clarify, I would appreciate the following : A confirmation from the creditor that they filed a XXXX form with the IRS for this account.

Verification that the charge-off is accurate and the debt was indeed cancelled or forgiven, as reported. 
If this charge-off is not verifiable or if the XXXX form was not properly issued, I request that the entry be removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

Please conduct the necessary investigation and provide me with written confirmation of the results of the investigation within the 30-day period required by law. 

Thank you for your attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
Portfolio Recovery XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Debt Validation Request Dear, Portfolio Recovery Associate I am writing to formally request validation of the alleged debt referenced in your communication dated [ insert date ]. Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, I have the right to request verification of this debt before proceeding with any payments. 

Please provide the following information : 1. Proof that I owe this debt, including a copy of the original signed agreement.

2. The name and address of the original creditor.

3. An itemized breakdown of the debt amount, including principal, interest, and fees.

4. Proof that you are legally authorized to collect this debt in my state.

5. Copies of any judgments, contracts, or agreements supporting your claim. 

Until I receive this information, I request that all collection efforts and reporting to credit agencies cease. Failure to provide proper validation may result in my disputing the debt with credit bureaus and filing complaints with relevant consumer protection agencies. 

Please respond within 30 days as required by law. I expect all correspondence to be in writing. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: UT

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-03-19 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: NC

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-03-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
XX/XX/year> i reached out to customer service to see if i can have all the fees reimbursed due to me having mechanical insurance taking out of my monthly payment in which i never used and i have had the car XXXX  years already. They told me my loss. This company has charged me so many fees and the interest is too high. I have reached out for a resolution and a legitimate payoff quote. Right now I owe what my car is worth and its just not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: AL

Complaint narrative:
Consumer name : XXXX XXXX XXXX Social Security XXXX : XXXX Consumer Date of Birth : XX/XX/year> Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report, Ive attached a list of hard inquires in question as well as a copay 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 results of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the results of identity theft and fraud.

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 2025-03-19 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: AL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

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 2025-03-19 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:
XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: IL

Complaint narrative:
Subject : Formal Dispute of Inaccurate Information Violations of Federal Consumer Protection Laws Dear TransUnion, I am writing to formally dispute the inaccurate and unauthorized reporting of my account ( s ) on my credit report. Under multiple federal statutes, including the XXXX XXXX ( 15 U.S.C. 6801 & 6802 ), the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), and the Identity Theft and Fraud Enforcement Act ( 18 U.S.C. 1028A ), you are legally obligated to protect my personal and financial information and ensure that my data is not misused, shared, or reported unlawfully.

Violations of Federal Laws 1. 15 U.S.C. 6801 & 6802 ( XXXX XXXX ) o You are required to safeguard my nonpublic personal information ( NPI ) and ensure that it is not shared or misused without my explicit consent. 
o Any reporting of my financial information without my consent constitutes a violation of federal privacy standards.

2. 15 U.S.C. 1681b ( 2 ) ( Fair Credit Reporting Act Permissible Purpose Requirement ) o You must have my direct written consent to access or report my credit information.

o If you obtained or shared my information without this consent, you are in violation of this statute.

3. 18 U.S.C. 1028A ( Aggravated Identity Theft ) o Reporting or using my personal financial information without legal authorization may be considered identity theft under federal law, punishable by criminal penalties.

4. 15 U.S.C. 1681q ( Obtaining Information Under False Pretenses ) o If my information was accessed, reported, or used without my knowledge or under false pretenses, this is a direct violation and may result in legal liability.

5. 15 U.S.C. 1681n ( Civil Liability for Willful Noncompliance ) o Willfully reporting false, misleading, or inaccurate information subjects you to civil liability, including damages, attorney fees, and punitive damages.

6. 15 U.S.C. 1681c-2 ( Blocking Information Resulting from Identity Theft ) o I demand the immediate blocking and deletion of any fraudulent or inaccurate information on my credit report, as required by law. 
XXXX XXXX XXXX XXXX Collection/Charge Off XXXXXXXX XXXX XXXX XXXX XXXXXXXX

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 2025-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: PA

Complaint narrative:
On XX/XX/year> I was told by PNC bank fraud department that several of my accounts were compromised. They had noticed someone had open a new account the day before then transferred {$5000.00} from my account to theirs but PNC did nothing because they said it was not a large amount. The following day the same person transferred aproximately {$100000.00} from my account to theirs then walked into branch in Texas XXXX miles from where I live in Pennsylvania to make the withdrawal from a teller at the window. How was that possible? That amount of money with No questions asked and no suspicions raised? I didn't even get a phone call. 
It is presumed by PNC employees and others to have been an inside theft since they're the only one with both my personal and business information.

It has been 6 months and they continue to avoid my calls, ignore my emails, and boldly refuse to return my money! 
I've been accused of depositing stolen cash, and driving XXXX miles to steal my own money, by PNC, hoping it will justify them not having to return my money. 
When I threaten to report them to government oversite agencies I was brazenly told " they could take a long as they like to investigate and there's nothing anyone can do about it ''. 
PNC has been arrogent, rude and disrespectful. I've been warned since they're responsible for replacing my money to expect they would treat me badly. I've been treated as if I gave away their money away instead of the other way around. I feel they're hoping I'd get frustrated and quietly go away. Please help return my money and if possible, penalize PNC bank with strong sanctions for continually demonstrating very bad, extremely poor business practices towards their customers! Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: AL

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"

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