vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. 
Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to block and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX {$2300.00} Date Opened : XX/XX/2024 Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt.

Ceaseanddesistasap

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: AZ

Complaint narrative:
I am writing to dispute the inaccurate reporting of an account listed on my credit report, as provided by Equifax. In accordance with Section 605 ( b ) of the Fair Credit Reporting Act ( FCRA ), I am requesting the deletion of this account due to inconsistencies in payment history and status reporting. 

Details of the disputed account : - Creditor : XXXX XXXX XXXX ( Closed ) - Account Number - Payment Status : Charge-off - Balance : {$0.00} Equifaxs payment history inaccurately reflects non-reported payments in XXXX and partial updates in XXXX ( e.g., OK status followed by 30 and 60 statuses ). These discrepancies fail to meet FCRA standards for accurate and fair reporting. 

I demand a thorough investigation and the immediate deletion of this account from my credit report. Attached are supporting documents for your review. Please respond with written confirmation of the account 's deletion or further steps required to resolve this dispute. 

Thank you for your attention to this matter. I expect a resolution within the timeline prescribed by the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am a victim of XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ) XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-03-27 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: AZ

Complaint narrative:
On XX/XX/XXXX, Cash App repeatedly blocked a high-amount transaction from my family member, who was trying to send me rent money. They claimed it was for safety reasons due to unusual activity, but there was nothing unusual about itI have received money this way before with no issues. Every time I reached out, I got the same automated response : However, I can not override this decision or take any further action here. Were committed to protecting you and keeping your finances secure, and so any unusual activity will be canceled. 

This message kept repeating, and it became clear that live agents were either not real or not actually reviewing my case. It escalated to the point where I couldnt receive or accept even as little as a dollar, which proves that Cash App is unfairly restricting peoples access to their own money. This is deceptive and financially harmful. Because of their actions, I am now on the verge of eviction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I had the same problem with both Transunion and Equifax. I spent a lot of time on the phone with each company. It was pretty much the same problem with each. They were unable to help me sign into my accounts. They were however able to confirm that my accounts still had freezes placed on them. Getting to a person who could confirm the information took a lot of time. 
When I initiated the freezes in XXXX  it was simple to log into their sites and view my information. Something very troubling has changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
I contacted the company Exeter finance on XX/XX/2025 and asked to be mailed a 1099-C for the car loan under my name they say its a charge-off. The company has reported to my credit bureaus that its a charge-off but the company have gotten a tax break on it but still reported it on my credit reports with a balance. They refused to provide the document 1099-C to me and correct the information. They have violated the FCRA consumer right under false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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:
I was looking over my credit report and I found hard inquires that I do not recognize and did not approve. Please take all these inquires off my credit report. 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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:
I was looking over my credit report and I found hard inquires that I do not recognize and did not approve. Please take all these inquires off my credit report. 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

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 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The late payment in question is reported by [ equifax ] for the period of [ insert date of late payment ]. I believe this information is incorrect and does not comply with the requirements outlined in the Truth in Lending Act ( TILA ), specifically section 1637 ( b ) of Title 15, which mandates that creditors provide accurate and complete information regarding the terms of credit, including payment history. 
Furthermore, according to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2, furnishers of information must report accurate details. The late payment reported does not reflect my true payment history, and I request that you investigate this matter in accordance with 15 U.S. Code 1681i. 

To support my dispute, I have enclosed copies of relevant documentation, including [ list any supporting documents, such as payment receipts, account statements, etc. ]. 
I respectfully request that you investigate this matter and remove the inaccurate late payment from my credit report. Please confirm in writing that the correction has been made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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: MD

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: GA

Complaint narrative:
I am writing to express my grave concern regarding the presence of fraudulent and unauthorized accounts on my credit report, which are causing significant distress and financial harm. It is of utmost importance to underscore that these accounts do not belong to me and are fraudulent. 

I have made numerous attempts to address this issue by submitting disputes and complaints. I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, and my Proof of Address..

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 2025-03-27 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: AZ

Complaint narrative:
I am writing regarding inaccuracies in my credit report with Equifax and formally dispute the errors under the Fair Credit Reporting Act ( FCRA ). I request immediate corrective action. 

The account in question is XXXX XXXX XXXX ( Account Number : [ Insert Account Number Here ] ). The current report indicates : - The account is listed as " Charge-off '' with a {$0.00} balance. 
- The worst delinquency is described as " Bad Debt/Collection. '' These details are incorrect, and despite XXXX disputes and XXXX resolution letters, no corrective action has been taken. This negligence is unacceptable. 

Section XXXX of the FCRA requires removal of disputed information within XXXX business days upon receipt of the necessary documentation, which I have provided. I demand that Equifax remove this inaccurate account information immediately. 

Thank you for your cooperation. Please confirm the resolution promptly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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 XXXX ( XXXX ) XXXX 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 2025-03-27 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: CA

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 non-monetary relief
Consumer complaint received 2025-03-27 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: Cascade CISS Holdings, LLC
State: AL

Complaint narrative:
I am writing to report identity theft. While reviewing my credit report, I discovered several fraudulent inquiries that I did not authorize. These inquiries are not mine, and I have no connection to them. These inaccurate inquiries are negatively impacting my credit score, limiting my ability to obtain credit, and causing significant inconvenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( XXXX ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I'm sure you'll agree, the late payment ( XXXX ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : Late Open : XXXX XXXX XXXX Date Opened : XX/XX/year> Balance : {$200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( XXXX ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I'm sure you'll agree, the late payment ( XXXX ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : Late Open : XXXX XXXX XXXX Date Opened : XX/XX/year> Balance : {$200.00}

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 2025-03-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I received the electronic {$100.00} AmEx gift card for XXXX from my bosses. I tried to use it several times online for a purchase at XXXX on XX/XX/year>. The total was {$210.00} and I tried use my {$100.00} gift certificate and pay for the rest, but it would not work. When I looked up the amount on my card {$.00} was on hold and I only had {$99.00} left, so I tried to by a {$100.00} gift card at the site but it wouldn't work because of the {$.00} hold. When I called the AmEx gift card line I was informed that I could only use it on a purchase of {$100.00} or less and not a partial payment. 

So, I was able to add the gift card to my XXXX XXXX but it got rejected at XXXX XXXX XXXX on XX/XX/year> for a {$100.00} purchase. I called again and they saw the rejection and said it was only good on a purchase of {$100.00} or less. 

It is not eligible to be transferred to a physical gift card and I am very frustrated on not being able to use the full {$100.00} I was gifted and they have no solutions for me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-27 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: OneMain Finance Corporation
State: OH

Complaint narrative:
Received an inquiry notification from my XXXX XXXX XXXX app on XX/XX/XXXX. Hard inquiry was showing on my XXXX credit report on XX/XX/XXXX from a OneMain personal loan company. I had never heard of OneMain. Contacted OneMain on XX/XX/XXXX about inquiry. Confirmed that the application was fraud, that I did not apply. The phone number and email address on the application did not match mine. OneMain denied the application immediately. Contacted XXXX XX/XX/XXXX to remove from credit report and was informed needed to either file a police report or report with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Subject : Formal Complaint Against Capital One Unauthorized Charge-Off & Request for Removal Dear Consumer Financial Protection Bureau , I am filing a formal complaint against Capital One for illegally charging off my credit card account without my knowledge or proper notification. This action has negatively impacted my credit report and financial standing. 

Capital One violated my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) in the following ways : Failure to Notify I was never informed that my account would be charged off, which violates 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) of the FCRA, requiring accurate and complete reporting.

Unfair Reporting Practices This charge-off appeared on my credit report without prior communication or an opportunity to address the issue, affecting my ability to manage my finances and dispute the debt. 
Failure to Provide Verification When I attempted to resolve this, Capital One failed to provide proper documentation verifying the legitimacy of the charge-off, violating my rights under 15 U.S.C. 1681g of the FCRA.

This unauthorized charge-off is both unfair and unlawful, and I request the immediate removal of this negative item from my credit report. Additionally, I ask for a full investigation into Capital Ones practices to prevent future violations.

Company response to consumer: Closed with non-monetary relief