vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Upstart Holdings, Inc.
State: MA

Complaint narrative:
On XX/XX/XXXX, a payment for my Upstart loan was due. While XXXX I encountered difficulties processing this payment, and on XX/XX/XXXX, I sent a formal email invoking my FDCPA rights, instructing Upstart to direct all future communications exclusively to my attorney. Despite this clear directive, Upstart continued to contact me directly via email and XXXX and on XX/XX/XXXX, I received additional communications that disregarded my instructions ( attached, I am including my communication with Upstart, and at least eight different communications sent to me directly clearly labeled as attempts to collect debt ). Moreover, Upstart reported negative information about my account to the credit bureaus, which resulted in several credit applications being rejectedfor instance, my XXXX XXXX checking account application was denied. All loans with Upstart have now been paid in full as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
On XX/XX/year> I reviewed a notification from my credit report stating I had a balance of {$200.00} from XXXX XXXX XXXX. I have never had an account with them, I tried to dispute and they did not remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Consumer Name : XXXX XXXX Name Goes Here ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 ADRESSES - [ ] XXXX XXXX XXXX XXXX XXXX, GA XXXX - [ ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL ACCOUNTS - [ XXXX XXXX  opened XX/XX/XXXX account # XXXX Balance : {$310.00} - [ ] XXXX XXXX XXXX XXXXpened XX/XX/XXXX account # XXXX Balance : - [ ] XXXX opened XX/XX/XXXX account # XXXX Balance : {$520.00} - [ ] XXXX XXXX opened XX/XX/XXXX account # XXXX Balance : {$12.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX # XXXX - [ ] XXXX XXXX XXXX XXXX opened XX/XX/XXXX account # XXXX Balance : {$1500.00} INQUIRES - [ ] XXXX XXXX XXXXXX/XX/XXXX - [ ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 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 2025-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OLIPHANT FINANCIAL, LLC
State: GA

Complaint narrative:
I recieved a collection from oliphant for {$3900.00} I am not familiar with oliphants I was in credit counseling where I took care all of my debt 3 years ago so I'm not sure how this popped up now

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: CA

Complaint narrative:
I have accounts on my credit report that I did not open please review attached document.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have accounts on my credit report that I did not open please review attached document.

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 2025-02-23 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Exorbitant fees For 3 months No bills or notice received. Finally got a an outdated paper bill as requested Needing Account number to pay bill and they now sent bill with No account number further delayed my ability to pay and tacked on more! $ fees {$50.00}! in total its XXXX  XXXX SAKS Fifth Ave This stems from XXXX XXXX purchases Received bill in XX/XX/XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-23 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 am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. The following fraudulent accounts and inquiries have been identified as a result of this breach XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Absolute Resolutions Corp.
State: AZ

Complaint narrative:
Absolute Resolution Investments, LLC is a debt collector that has fraudently obtain my credit information with my written consent and is inaccurately reporting on my credit report as if I had did business with them. This account is not validated and XXXX had deleted this from my credit report and yet XXXX and XXXX is still reporting this deleted account ( XXXX ) inaccurately. This inaccuracy is in violation of my consumer rights, FCRA Laws and FTC regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: NC

Complaint narrative:
I am Writing to dispute the following accounts on my Equifax Credit report, Which I believe violate several provisions of the Fair Credit Reporting Act ( FCRA ). Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$290.00} I request the immediate removal of these accounts under the FCRA, Specifically 15 USC1681e ( b ), 15 USC 1681s-2, 15USC ( 5 ) and 15 USC 1681 c ( c ). Furthermore as per Law 605 B, These fraudulent accounts should be eliminated from my credit report. your company is under scrutiny due to a recent lawsuit filed by the Consumer Financial protection Bureau ( case name : Consumer Financial protection Bureau v. Equifax Information Solutions , Inc ) This lawsuit highlights Equifaxs failure to conduct proper investigation and remove or reinsert errors on consumer credit reports. As such, it is imperative that Equifax addresses this matter in accordance with the FCRA I appreciate your prompt attention to this matter. I look forward to receiving written confirmation of the removal of these fraudulent accounts under from my credit report. Thank you for your time and cooperation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: PA

Complaint narrative:
Cash App issues with non existent and fake customer service

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
-List all accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Experian credit report on ( XX/XX/2025 ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
-List all accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Experian credit report on ( XX/XX/2025 ) 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 explanation
Consumer complaint received 2025-02-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am formally disputing the accuracy of this account under the Fair Credit Reporting Act ( FCRA ) and e-OSCAR Code 106. Upon reviewing my credit report, I noticed discrepancies with the reported late payments on this account. 

Account Name : XXXX Account Number : XXXX Specifically, there are late payments reported as follows : * XXXX XXXX 30 days late * XXXX XXXX 30 days late * XXXX XXXX 30 days late * XXXX XXXX 30 days late * XXXX XXXX 60 days late * XXXX XXXX 90 days late I believe these reported late payments to be inaccurate and request that you provide concrete proof that these payments were indeed late. According to the Fair Credit Reporting Act, a late payment status can only be reported after a consumer has missed the payment due date for a period of 30 days or more. I have thoroughly reviewed my statements and made payments prior to reaching the 30-day mark, which indicates that the reported late payments are incorrect. 

Furthermore, I believe the creditor has not complied with Section 623 ( a ) ( 7 ) of the FCRA, which requires that a consumer be notified before any negative information is reported to a credit bureau. To my knowledge, I have never received such a notice from the creditor, either before or after the information was reported. Please ensure that the creditor provides proof that they sent such a notice, either by supplying a certified green return receipt or a shipping tracking number, before the conclusion of your investigation. 

I request that you confirm with the creditor that they have substantiated the reported late payments. If they can not provide the necessary evidence of the late payments, I kindly ask that my account be updated to reflect a " Paid As Agreed, Never Late '' ( PAANL ) status, in accordance with consumer protection laws. 
Thank you for your prompt attention to this matter and for ensuring that this account is properly updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XX/XX/XXXXreporting the card was changed off I requested a 1099c and to verify this account was updatednothing done they have yet to give me anythingbut its still reporting as negative on my credit report.. I would like it deleted from my credit report 15 us 1681 c2

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 2025-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: CA

Complaint narrative:
I received a direct deposit to my account but shows XXXX XXXX XXXXXXXX XXXX  my deposit is for XXXX  that was issued into my credit karma account but they have no idea when or where it is or when my funds will be there I've spent 2 days callig emailing chatting nothing is resolved I urgently need my money please help I cant even speak to a supervisor and they keep giving the run around without an explanation or unanswered questions about my deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: FL

Complaint narrative:
( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-Provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers or dispute outcome.These failures align with my experience, where Experian has neither correct nor removed dispute items despite the evidence I provided causing on going harm to my credit standing I am required immediate correction action to remove or amend the disputed account as Experian inaction violates federal law and my rights as a customer this is my fifth time request regarding the fraudulent account that continues to appear on my credit report.i am deeply troubled as these accounts were previously removed,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
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 proce 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 55 financial loss, and I seek appropriate redress ( 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 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have tried to resolve this matter with Experian numerous times please see attached statement

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