vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I submitted an detailed dispute to the credit bureaus, FTC XXXX report, Prison Identification face sheet/ Prison Id and proof I have been incarcerated since XXXX in Florida XXXX XXXX XX/XX/XXXXExperian and XX/XX/XXXXXXXX Mail XXXX XXXX. On XX/XX/XXXX, Experian deleted XXXX items from my credit file taking my credit from XXXX to XXXX 's. Then on XXXX XXXX present Experian has added these trade lines back to my credit report and has effected my Experian credit file to the XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX, Florida XXXX XXXX : XX/XX/XXXX To : Experian Subject : Formal Demand for Immediate Removal of Reinserted Trade Lines Violation of FCRA 1681i ( a ) ( 5 ) ( B ) Dear Experian, I am writing to formally dispute and demand the immediate removal of trade lines that were previously deleted from my credit report due to verified identity theft and a successful resolution of my prior dispute. These items have been unlawfully reinserted into my credit file without proper notice or justification, which constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

Background I submitted a formal identity theft dispute supported by : A Federal Trade Commission ( FTC ) Identity Theft Report ( Report # XXXX ) Official incarceration records proving continuous custody since XX/XX/XXXX A list of unauthorized and fraudulent accounts These documents resulted in the removal of all disputed tradelines from my report. However, I have now confirmed that the following fraudulent accounts have been reinserted without proper notification or legal basis : Reinserted Fraudulent Tradelines XXXX XXXX XX/XX/XXXXXX/XX/XXXXXXXX, Legal Basis 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Reinserted Information If any item of information is deleted as a result of a consumers dispute, the credit reporting agency may not reinsert that information unless : The furnisher certifies the accuracy of the information, and The CRA notifies the consumer in writing within XXXX business days of reinsertion, including the furnishers name, address, and phone number. 
I have not received any such notice, which constitutes a violation of this section. 
FCRA XXXX ( b ) Furnisher Responsibilities Furnishers are prohibited from reporting information known to be inaccurate or unverifiable, especially when the information is the result of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am submitting this formal complaint regarding XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, based on multiple violations of my rights under the Fair Credit Reporting Act ( FCRA ), as well as alleged unlawful collection practices following the securitization of my loan, and their failure to issue a 1099-C tax form following a charge-off. 

Inaccurate Credit Reporting ( FCRA Violation ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX is currently reporting inaccurate information on my credit report. Specifically, they are showing an active charge-off status with an outstanding balance, despite the account being charged off. A charge-off by definition is a written-off debt and should report a {$0.00} balance under standard credit reporting practices. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 Furnishers of information must report accurate data and update or correct any inaccuracies once disputed. 

Failure to Issue 1099-C After Charge-Off XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX has not issued a 1099-C form for the charged-off debt, which is typically required for tax reporting purposes when a debt is canceled or forgiven. The lack of this form creates issues for my financial and tax records and may violate IRS guidelines related to debt forgiveness. IRS Reporting Requirements Under IRC 6050P, creditors who cancel or discharge a debt of {$600.00} or more are required to issue a Form 1099-C.

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 2025-04-28 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:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is ( XXXX ), filed on ( FTC XX/XX/XXXX ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : XXXX XX/XX/XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TRANSUNION XXXXXXXX XXXX XXXXXX/XX/XXXX TRANSUNION XXXX XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XXXX XXXX XXXXXX/XX/XXXX TRANSUNION XXXX XX/XX/XXXX TRANSUNION XXXX XXXX XXXX XXXXXX/XX/XXXX TRANSUNION XXXX XX/XX/XXXX TRANSUNION XXXX XXXX XXXX  XX/XX/XXXX TRANSUNION XXXX XX/XX/XXXX TRANSUNION

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 2025-04-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: FL

Complaint narrative:
On XXXX the XXXX, I had to use my Cash App Card to secure a " holding/Incidental deposit '' ata hotel for a 4 night stay. This deposit transaction is finalized upon checkout. I checked out on the XXXX! Any and all fees incurred during the stay are deducted out of this deposit. I was charged XXXX for parking, leaving the remaining {$57.00} to be returned back to my card. First of all, this hotel normally doesn't charge for parking-in fact, according to the travel discount sites, parking is free!!!! Cash App also has this information on their end-that there is to be {$57.00} returned the card, and {$42.00} was charged to my card for parking. 
Yet, on my end, my account is showing a pending deposit of $ XXXXno other credits or charges from this hotel are showing. I have submitted proof to CashApp that this transaction was finalized, and they have it on their end as well. Yet, they won't credit back this money I'm owed, claiming that XXXX XXXX didn't finalize the transaction, when there is proof they did!!!! When I extend my stay for 2 more nights, XXXX charged my other debit card from my actual bank, the same deposit and that deposit was credited back/finalized within 3 days!!!!!!! Who's lying here!!!!!! Who hates their customers and hope they suffer!!!!!! Cash App also denied the dispute I tried to file, regardless of the proof I showed!!! Cash App can not be trusted with my money!!! They obviously wish to upset me and ruin my days/weeks!!! They also don't care if they get complaints. They fight their customers l!!! You ought to see their XXXX  XXXX  complaints!! This isn't the first time I've complained on CasApp! I filed a similar complaint back in XXXX against CashApp, and they responded negatively. I stopped doing business with both the hotel and CashApp for a while. They're doing this again, and this time, I have more proof. However they're still defying the proof!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
" I experienced an unexpected XXXX drop in my credit score on XX/XX/year> from XXXX to XXXX with no derogatory marks, no missed payments, and no major change in credit utilization ( current utilization 25 % in good range with XXXX in available credit, no high maxed out cards ). I've seen multiple reports online of people experiencing identical XXXX drops around the same time, which suggests a possible system error or recalibration. Please investigate this and provide clarification or correction. '' This makes no sense- there is no justifiable reason for this and Equifax has already been found guilty of misreporting credit scores and considering the fact that it is a XXXX point drop and numerous other consumers have had the same XXXX point drop exactly screams either system glitch or something terribly fishy going on

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: TX

Complaint narrative:
I disputed an account with TransUnion regarding XXXX XXXX XXXX ( Account # XXXX ). I never received proper validation of the account as required under FCRA 15 U.S.C 1681i. Instead of removing the unverifiable account, TransUnion simply marked it as closed but continues to report it negatively, harming my credit. Closing an account without properly verifying it still violates the FCRA. I am requesting that TransUnion immediately delete the account from my credit report and cease all further reporting. I am prepared to escalate this matter legally if it is not 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 non-monetary relief
Consumer complaint received 2025-04-28 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: LA

Complaint narrative:
Not conducting proper investigation on my previous dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: LA

Complaint narrative:
Not conducting proper investigation on my previous dispute.

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 2025-04-28 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: PRANCER CAPITAL CORP
State: MD

Complaint narrative:
On XX/XX/year> XXXX XXXX  excessively ran my credit report and shared my personal information with various unauthorized lenders to multiple bureaus. An FTC report was filed. The lenders are as followed : XXXX XXXX XXXX XXXX Prancer Capital Corp XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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:
I am writing to formally notify you that I am a victim of a data breach and identity theft. As such, I am requesting, pursuant to 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act, that all accounts and information associated with fraudulent activity in my name be permanently deleted and blocked from your records.

The accounts in question were not authorized by me, and I did not initiate or participate in any of the transactions associated with them. Therefore, I request that these accounts be removed from any reports you maintain and that they not be resold or otherwise distributed. 
. 
Thank you for your immediate attention to this matter. 
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 XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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:
XXXX is being reported on my credit report when i never opened it. It was opened on XX/XX/XXXX reporting a balance of {$180.00}. " XXXX XXXX  XXXX '' is falsely reported on my report. It was opened on XX/XX/XXXX reporting {$800.00}. " XXXX '' is also falsely reported on my credit report. It was opened XX/XX/XXXX. The balance is {$8400.00}. Finally, a " XXXX XXXX XXXX '' is being falsely reported on my report. It was opened on XX/XX/XXXX reporting {$54.00}. I noticed the fraud 2 weeks ago.

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 2025-04-28 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: TX

Complaint narrative:
I recently obtained a copy of my credit report and noticed some accounts that i didnt recognize. I would like for these accounts to be removed because they are hurting my ability to obtain credit.

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 2025-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I am filling a complaint for interest charges and security charges that I did not request. 
XX/XX/year>, I was advised that I was signed up for XXXX XXXX interest free, for XXXX medical purchases, and I was not aware of, and also I was advised that I didn't follow through with the agreement and I was charged over {$500.00} in interest. Apparently I was given another promotion on a XXXX XXXX charge. and didn't full fill that obligation as well and charges {$120.00} additional interest. 
Further more I was charged over {$40.00} per month for a security fee, also I didn't ask for. Im told the info is on the website. 
Below, this does not say any about the promotion of of interest free till a certain time that was implemented on my bill. Personally I did not request a promotion, nor the extra security. 
* PROMOTIONS. The Site may contain or offer sweepstakes or other promotions, which may be governed by a separate set of rules that describe the sweepstakes or promotion and may have eligibility requirements, such as certain age or geographic area restrictions. It is your responsibility to read those rules to determine whether or not your participation, registration or entry will be valid and to determine the sponsor 's requirements of you in connection with the applicable sweepstakes or promotion * The representatives was not really any help, explaining I could extend the promotion, ( that I didn't request ), and pay over $ XXXX, by 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 2025-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I encountered fraudulent transactions and non-fraudulent disputes with merchants that I placed through Chase Bank. Chase not only didnt thoroughly investigate and fulfill my claims, they went as far as to close my newly opened bank account and accused me of " abusing the claims process '' which could not be anymore inaccurate. This is unfair to me as a customer as I used my bank account with responsibility and I never meant to abuse the claims process. I should be able to open a new bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: CA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: MD

Complaint narrative:
I purchased my Honda XXXX in XX/XX/XXXX, my first ever Honda, and was enjoying it until it was involved in an unfortunate front end collision in XXXX of XXXX. 

Obviously not an optimal situation however I started the process to have the vehicle repaired expecting to be without its use for a month or so- wow was I wrong! 
The body shop quickly got most of the repairs completed however when it came to ordering two important, seemingly basic, parts for the Honda it all went awry. Honda, the parent company of the wholly own
ed subsidiary HFS ( for ho
lder rule purposes ), advised the parts supplier/body shop they have no ETA for parts used to support and enforce the bumper. This same company is
still supplying and building brand new units however has no guidance on how long my leased vehicle will be out of service.

Honda leased me this vehicle with the intent that it would be usable in exchange for my month payments. As of current the unit sits halfway repaired as Honda, the same company ultimately responsible for the lease based on the holder rule, can not provide support to the lessee.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
This is a XXXX party company I don't have any verbal or writing contract with them .I 'll request validation of debt, original contract sign by me, history of payment of the account, name and address of original lender

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: MN

Complaint narrative:
Today I received emails from Chime. The first indicated that a new login on my account was detected in a state other than the one I live and currently am located in. The second contained an attachment that was said to be a completed direct deposit form ; the email listed account and routing numbers that do not match any account I have opened. The third email was a welcome email from the company, and the fourth said that my debit card was being mailed to my ( correct ) mailing address, and invited me to click a link to add this debit card to my wallet. 

I called the number for customer service for this company, but they would not accept my fraud concerns and flag or close the account, unless I gave them my date of birth, which I refused to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
b'On XXXX XXXX  I got a notification from the Wells Fargo app that there was a transfer being initiated on my behalf ofXXXX dollars. I then got a text message from the Wells Fargo asking me to confirm this charge I responded no and\nchecked my account. This is when I noticed that XXXX  dollars had be requested in a cash advance from my credit card. I then got a second message from Wells Fargo, stating that they would be calling me to fix the issue.\nAt around XXXX XXXX XXXX, I got a phone call from Wells Fargo. They went over my account information and asked me to verify my\nidentity. They also asked me to call a second number while being on the phone with them. Unfortunately, I was also supposed to be in an important work meeting, so I hung up the phone XXXXfter telling them I would call back I called Wells Fargo back and got on the phone with the fraud department and that is when they told me that they did not have a case on file and no one had called me.\nI asked them to immediately close the credit card account and issue me a new one.\nI also asked them to close my bank account because who ever had previously hacked my account completed a wire transfer of XXXX  dollars this included the cash advance and my savings. It turned out that the person who had called me was impersonating Wells Fargo and had me forward my phone to themselves. I did not find out that my phone\nhad been forwarded until my sister texted me on XXXX XXXX XXXX that she had been trying to call me all weekend and could not get a hold of me. I also realized it because my fiance had been trying to call me all weekend as well. The phone number that my phone was forward to is XXXX. The person that the wire transfer was sent to isXXXX XXXX. I have tried to resolve this issue with Wells Fargo, and they keep telling me that I am responsible because either myself or someone who had my information completed the transaction. I have never made a cash advance for more than $XXXX, and I also had never made a wire transfer before.'

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