vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
XX/XX/XXXX - {$260.00} XX/XX/XXXX - {$60.00} XX/XX/XXXX - {$150.00} XX/XX/XXXX - {$75.00} XX/XX/XXXX - {$30.00} XX/XX/XXXX - {$20.00} XX/XX/XXXX - {$300.00} XX/XX/XXXX - {$10.00} XX/XX/XXXX - {$25.00} XX/XX/XXXX - {$25.00} XX/XX/XXXX - {$20.00} XX/XX/XXXX - {$10.00} XX/XX/XXXX - {$50.00} XX/XX/XXXX - {$63.00} XX/XX/XXXX - {$20.00} XX/XX/XXXX - {$30.00} XX/XX/XXXX - {$30.00} XX/XX/XXXX - {$95.00} XX/XX/XXXX - {$30.00} XX/XX/XXXX - {$100.00} Along with multiple other fraudulent transactions not listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: NJ

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 each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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:
" 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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: FIRST PORTFOLIO SERVICING INC
State: CA

Complaint narrative:
Complaint Against Total Visa  XXXX XXXXXXXX XXXX XXXX XXXX XXXX for Unfair Lending Practices & Potential Violations of Federal Law I applied for a Total Visa Card, issued by The Bank of Missouri, and was required to provide income verification. I conditionally accepted their request and formally asked them to provide a legal basis or contractual obligation that mandates income verification from me, the creditor, before I disclose private financial information. 

Total Visa has refused to provide this information and has instead stated that my application will be considered withdrawn if I do not comply. Their failure to substantiate their demand raises concerns about unfair lending practices, potential violations of federal law, and consumer rights infringement. 

I believe Total Visa 's actions violate my rights under the following laws : 1. Equal Credit Opportunity Act ( ECOA ) 15 U.S.C. 1691 ECOA prohibits credit discrimination based on non-financial factors and requires lenders to provide clear reasons for adverse actions ( 1691 ( d ) ).

If a creditor requires income verification, they must justify it based on consistent and non-discriminatory policies and can not arbitrarily demand financial disclosures without cause.

2. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 Any adverse action ( e.g., withdrawal of my application due to lack of income verification ) must be properly documented and disclosed in compliance with 1681m.

If Total Visa is using income verification as a pretext for potential denial, they must provide a written adverse action notice, which I have not received.

3. Truth in Lending Act ( TILA ) 15 U.S.C. 1601 Creditors must ensure fair and transparent lending practices under Regulation Z, which includes clear disclosure of underwriting criteria.

If Total Visas policies are misleading or not applied consistently, they could be in violation of federal lending transparency laws.

4. Unfair, Deceptive, or Abusive Acts and Practices ( UDAAP ) 12 U.S.C. 5531 The Consumer Financial Protection Bureau ( CFPB ) has enforcement authority over unfair credit practices under UDAAP.

Total Visas failure to justify their income verification demand and their threat to withdraw my application without due process may constitute deceptive and abusive lending behavior under CFPB jurisdiction

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 1. XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX V. XXXX ( MO ) 281 SW 715.719. 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 explanation
Consumer complaint received 2025-02-25 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: VA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-02-25 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: PA

Complaint narrative:
I am disputing a charge-off reported by XXXX XXXX on my credit report. The account was opened on XX/XX/XXXX, and has a reported balance of {$6500.00}. The account is marked as a Profit & Loss Write-Off, suggesting that XXXX XXXX has written off the debt and may have received a tax benefit for it. Since this debt is no longer collectible, it should not remain as an outstanding balance on my credit report. 

On XX/XX/XXXX I requested verification of the debt and supporting documentation from XXXX XXXX to prove that the balance is accurate and that they still legally own the debt. However, I have not received a response or sufficient proof to substantiate this debt. Despite my attempts to resolve the matter, the charge-off remains 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 non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX, XXXX and XXXX Account - CAPITAL ONE I asked for proof of late payments or deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: KY

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as XXXX supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent INOUIRIES from my credit report. XXXX Account XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from 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 2025-02-25 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX has violated my rights. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 

TRANSUNION XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX has violated my rights. 


I looked at my XXXX, XXXX & TransUnion credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And 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 suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or 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 results 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. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: Global Lending Services LLC
State: NY

Complaint narrative:
On XX/XX/year>, My Credit was run by several finance companies without my permission in the state of XXXX, where I do not live. I have contacted each company to verify and remove it based on Fraud. 
FCRA Law 15 USC 1681a, FCRA 605B ( 15 U.S.C. 1681c-2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/year>, My Credit was run by several finance companies without my permission in the state of XXXX, where I do not live. I have contacted each company to verify and remove it based on Fraud.

FCRA Law 15 USC 1681a, FCRA 605B ( 15 U.S.C. 1681c-2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: AR

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
the dispute is about a XXXX XXXX insurance that was incorrectly reported to my 3 credit reports. 
I was advised to pay for an outstanding insurance balance after i have already talked to XXXX XXXX XXXXhat i have cancelled and spoke to a XXXX at their office prior to a bill being due.. but they demand that i pay it anyways. 
After awhile i sent them my documentation and was told that it will be closed. 
just to find out that XXXX XXXX has assigned it to Southwestern collection agency and been reported to my Credit without any notice or demand letter being sent to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I am filing a complaint against XXXX XXXX regarding a deceptive and unfair credit limit reduction that negatively impacted my XXXX XXXX  card account. 

Summary of the Issue : On XX/XX/year>, I made a purchase of {$38.00} using my XXXX XXXX  card. At the time of the transaction, my available credit was {$120.00}, with a total credit limit of {$350.00}. 
My statement for that billing cycle reflected the following : Previous balance : {$210.00} Payments made : - {$37.00} New balance : {$180.00} Available credit : {$120.00} No fees or penalties listed On XX/XX/year>, XXXX XXXX  lowered my credit limit without notice, reducing it below the amount of the purchase I made the day before. As a result, my account now reflects that I exceeded my credit limit retroactively, despite the fact that my purchase was made while I still had available credit. 

Why This Is Unfair & Deceptive : The credit limit reduction occurred after my purchase, making it appear as though I exceeded my limit when I had not. 
When I contacted customer service, I received dismissive responses and no legitimate explanation for why my credit limit was reduced after my purchase. 
While no over-limit fees were charged, this practice unfairly impacts my credit utilization and account history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: FL

Complaint narrative:
Jefferson Capital reported a past due phone bill related to an account over XXXX years old to XXXX and XXXX. They have repeatedly sent threatening letters to my address, and I have asked them to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Goal Structured Solutions, LLC
State: TX

Complaint narrative:
I am writing to formally request your offices intervention regarding a case of identity theft, fraud, and deceptive financial practices committed by XXXX XXXX XXXX The school has engaged in fraudulent activity involving the misuse of my Social Security Number ( SSN ) without my consent, financial aid misrepresentation, and the failure to certify my sons XXXX  tuition benefits. 

My son, XXXX XXXX, attempted to certify his XXXX benefits. The schools Financial Aid Manager instead convinced him to take out a student loan. Additionally, the school never filed the XXXX  tuition paperwork. My Social Security Number was used fraudulently as a co-signer on a student loan, without my consent or signature. The loan servicer now lists me as responsible for a debt I never authorized. 

The school and its financial aid department have violated multiple state and federal laws, including : 1. Identity Theft ( 18 U.S.C. 1028, XXXX Penal Code 32.51 ) Unauthorized use of my SSN.

2. Bank Fraud ( 18 U.S.C. 1344 ) Fraudulently obtaining a loan using false information.

3. Wire Fraud ( 18 U.S.C. 1343 ) Using electronic systems to p
rocess a fraudulent loan.

4. Forgery ( 18 U.S.C. 471, XXXX  Penal Code 32.21 ) Signing or processing loan documents in my name without consent.

5. False Statements on a Loan Application ( 18 U.S.C. 1014 ) Submitting false information to obtain federal loans.

6. Social Security Fraud ( 42 U.S.C. 408 ( a ) ( 7 ) ( B ) ) Unauthorized use of my SSN. 
XXXX  Benefits Fraud ( 38 U.S.C. 3690 ) Failure to certify benefits and misrepresenting financial aid options to a veteran.

7. Deceptive Trade Practices Act ( DTPA ) ( XXXX  Business & Commerce Code 17.46 ) Engaging in false, misleading, and deceptive financial practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: PA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation