vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-24 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-03-24 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX XXXX XXXX. 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 2025-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK
State: OH

Complaint narrative:
Following on my previous complaint to Discover Background of the Issue : On XX/XX/, I initiated a balance transfer through Discovers online application, which was processed on XX/XX/, to XXXX XXXX  account ending in XXXX. 
On XX/XX/2025, Discover opened a dispute and confirmed that the initial check had not been cashed, leading to its cancellation. 
On XX/XX/, Discover reissued the check and notified me of the update. 
However, on XX/XX/2025, the balance transfer check was XXXX  by XXXX  Bank, but by XXXX in New Jersey, an entirely unrelated entity. 

The first time, Discover sent the check to the correct XXXX account as per my request. 
The second time, Discover mistakenly sent the reissued check to XXXX in NJ, despite me providing the correct XXXX account details again. 

I have contacted both Discover and XXXX multiple times, yet no resolution has been provided. 
Each bank keeps blaming the other without a clear explanation of where the funds are or how to resolve the issue. 
I continue to be charged interest due to Discovers mishandling of the transfer. 
I attempted to reach out to XXXX from XXXX Executive Office of Customer Advocacy, leaving a voicemail but I have received no response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I am filing this formal complaint against NCA ( National Credit Adjust ) for knowingly reporting inaccurate and unverifiable information to the credit reporting agencies, in direct violation of the Fair Credit Reporting Act ( FCRA ). 

Specifically, a derogatory collection accountoriginal creditor unknownwas placed on my credit report without proper notice, validation, or verification. Under FCRA 609 ( a ), I have the right to request the original signed contract or any verifiable proof of this debt, which has not been provided.

Additionally, FCRA 623 ( a ) ( 5 ) mandates that furnishers must report accurate information. Reporting unverifiable or fraudulent data is a violation of this section and is causing me immediate harm as I am actively seeking funding.

Furthermore, FCRA 611 ( a ) provides me the right to dispute and demand an immediate reinvestigation. Given the urgency, I am requesting expedited removal of this unverified account within 4 days, as the presence of this fraudulent account is causing irreparable harm to my creditworthiness and financial opportunities.

I have also filed a report with the Federal Trade Commission ( FTC ) regarding this matter. If this account is not immediately removed, I am prepared to escalate this by seeking legal remedies under FCRA 616 and 617 for willful non-compliance and damages.

Requested Action : Immediate deletion of the account from all credit bureaus ( XXXX XXXX XXXX  ) and confirmation of removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: MD

Complaint narrative:
Heres a strong, professional letter to the **Consumer Financial Protection Bureau ( CFPB ) ** demanding the removal of this item from your credit report : -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Md XXXX XXXX XXXX XX/XX/year> **Consumer Financial Protection Bureau*XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX **Subject XXXX Formal Dispute and Request for Removal of Inaccurate Collection Item** Dear CFPB Representative, I am writing to formally dispute the inaccurate reporting of my loan account with XXXX XXXX XXXX XXXX, which has been improperly placed in collections. I request the immediate removal of this negative item from my credit report as it does not accurately reflect my payment history and standing with the lender. 

My loan was originally financed at ** $ XXXX, with a total payment obligation of ** $ XXXX. As of now, I only owe ** $ XXXX, meaning I have successfully paid XXXX % ** of the total amount due. While I acknowledge that no payment has been made since XXXX XXXX, my payments were ahead of schedule. Despite this, XXXX XXXX XXXX XXXX has erroneously placed my account in collections, which is both unjustified and damaging to my credit profile. 

Furthermore, I bring to your attention ** XXXX of Virginia law, which requires financial institutions to report accurate loan and enforcement data. The placement of my account in collections without a valid justification could be a violation of transparency and fair reporting practices. This inaccurate reporting has caused unwarranted harm to my credit score, and I demand immediate corrective action. 

**I formally request the CFPB to investigate this matter and demand that XXXX XXXX XXXX XXXX XXXX ** 1. **Provide documented proof** that my account was rightfully placed in collections. 
2. **Remove this inaccurate collection item** from my credit reports with XXXX, XXXX, and XXXX if they fail to justify their actions. 
3. **Cease any further inaccurate reporting** that misrepresents my payment history. 

I have attached supporting documentation, including my loan payment records and statements, to validate my claim. Please advise on the next steps and confirm the initiation of an investigation into this matter. I expect a swift resolution and look forward to your response. 

Sincerely, XXXX XXXX Account number : 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 2025-03-24 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: NC

Complaint narrative:
I was sent a 1099-K from cashapp and I do not have an account with them. I contacted cashapp and they said they were looking into it, this was 3+ weeks ago ( complaint # XXXX ). It seems that a cashapp user has stolen my identity. The 1099-K shows {$8100.00} in " payment card/third party network transactions it also includes my TIN and name and address. 

I have finally heard back from cashapp, they did confirm that someone used my identity to open an account. Cashapp in my opinion was intentionally obfuscate in their customer service follow up. 

Since someone opened a cashapp account with stolen identity due to shoddy intake practices I requested that cashapp provide one years ' worth of credit monitoring and {$1000.00} for the effort it will take to get my identity back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: MI

Complaint narrative:
I am filing this complaint against Equifax, Experian, and TransUnion for failing to correct inaccurate and misleading information regarding the XXXX account ( Account # XXXX ) on my credit reports. Despite multiple disputes, the credit bureaus continue to report false and unlawful information, violating my rights under the Fair Credit Reporting Act ( FCRA ). 

Key Issues : Unlawful Re-Aging of Charge-Off Status The SAFCO account was charged off in XX/XX/XXXX, yet the credit bureaus continue to report a " CO '' ( charge-off ) status every month from XX/XX/XXXX through XX/XX/XXXX. 
This improperly extends the negative impact on my credit report, which is a violation of 15 U.S.C. 1681c ( a ) and 15 U.S.C. 1681s-2 ( b ).

Once an account is charged off, it can not be re-reported as a new charge-off each month. This is deceptive and misrepresents the true status of the account. 
Inaccurate Balance Reporting XXXX reports a charge-off balance of {$8900.00}, despite stating that {$5900.00} was written off. 
A charge-off means the creditor has written off the debt, yet the credit bureaus continue to report the account as " past due '', which is misleading and inaccurate. 
Failure to Conduct a Proper Investigation Under 15 U.S.C. 1681i ( a ) ( XXXX ), credit bureaus are required to conduct a reasonable investigation when a consumer disputes an item. 
Despite my formal disputes, the bureaus have failed to correct these clear errors, and instead, they have continued to verify the inaccurate reporting.

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 2025-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: BARCLAYS BANK DELAWARE
State: NH

Complaint narrative:
My Credit Card account was frozen in XX/XX/2025 due to my last name being changed due to me being married. The company requested a handful of documents to verify including : social security cards, marriage certificate, state ID, bank statements. Of which these I all provided. Once I provided all of these documents I was told these would only take 7 to 10 business days to review and unlock my account. Over 4 weeks later I am still being given the generic response above. The company is refusing to accept a payment for the credit card and now my credit score has decreased because they are illegally reporting it as unpaid when the company themselves, refuses to accept payment. I have additionally requested multiple times to speak with. Manager and have since not been contacted even though I was promised I would be contacted within 24-48 hours.

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 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-03-24 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: LA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXXATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2025-03-24 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Under the Maryland Purchase Act Agreement, the law outlines legal framework for rental purchase agreements, ensuring disclosures, prohibiting certain terms and addressing reinstatement and repossession. 
*Disclosures *Prohibited Terms *Retention of a Copy of the Agreement *Sanctions *Notice of Default

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Block, Inc.
State: OH

Complaint narrative:
Subject : Urgent Fraudulent Loan Dispute No Response from Cash App Dear [ Company Name ], I am writing to formally dispute a fraudulent loan that was taken out on my Cash App account. On [ XX/XX/scrub>XXXX XXXX  ], an unauthorized individual accessed my account and took out a {$150.00} loan ( {$100.00} + {$50.00} ) without my knowledge or consent. The repayment for this loan is due on Friday, [ XX/XX/XXXX ], and I want to make it clear that I will not be making a payment for a loan I did not authorize. 

For the past two weeks, I have been actively trying to resolve this matter with Cash App. I contacted their support team, and I was informed that someone would follow up with me via email. However, I have not received any response despite multiple attempts to get an update. 

This situation is unacceptable, and I am requesting immediate action to investigate and remove this fraudulent loan from my account. Additionally, I would appreciate a written confirmation that I am not responsible for this charge. If I do not receive a resolution promptly, I will be forced to escalate this matter further. 

Please respond at your earliest convenience. Thank you for your prompt attention to this issue. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: CA

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 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 2025-03-24 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: CA

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 non-monetary relief
Consumer complaint received 2025-03-24 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: GA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries 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 2025-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
I received a copy of my credit report and found the following personal information to be in error :

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 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
I received a copy of my credit report and found the following personal information to be in error :

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 2025-03-24 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: IN

Complaint narrative:
I am disputing the bankruptcy reported on my credit file, as it was not verified directly by the courts. XXXX has already removed it from their records, confirming they were the source of verification. Under the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), credit reporting agencies must ensure maximum possible accuracy. Since the court does not furnish bankruptcy information to third parties, this entry must be deleted immediately. I have requested that Equifax remove this several times each time I recieve a letter stated Verified but XXXX XXXX has removed it so how is it still being verified when XXXX XXXX is not reporting?. I have also given them information to verify from the courts and also from XXXX XXXX but Equifax refuse to remove from credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-03-24 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: NC

Complaint narrative:
Hello. I am submitting a complaint Due to inability of accessing my credit report, I am concerned that there may be inaccuracies in my personal information that need to be corrected. It is crucial for me to ensure the accuracy of my credit report as it may impact my financial well-being and access to credit. I kindly request your assistance in addressing this matter promptly. Please investigate this issue and take appropriate action to allow me access to my credit report and scores and update my personal information in accordance with the Fair Credit Reporting Act ( FCRA ) .I have attached copies of my identification and any relevant documentation to support my complaint.

Company response to consumer: Closed with explanation