vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-02 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: CBC Companies, Inc.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: TX

Complaint narrative:
In accordance with the Fair Credit Act, this creditor : XXXX XXXX and XXXX XXXX has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. Under 15 USC 1681 section 604a section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan late for any purpose. 

I never received a 1099 from XXXX XXXX for the account that was charged off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: TX

Complaint narrative:
In accordance with the Fair Credit Act, this creditor : XXXX XXXX and XXXX XXXX has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. Under 15 USC 1681 section 604a section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan late for any purpose. 

I never received a 1099 from XXXX XXXX for the account that was charged off.

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 2025-01-31 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Called Lowes around XXXX week of XXXX, as I couldn't use my credit card. I was told my card was closed. Rep I spoke to on this day indicated I had missed my payments and asked I contact XXXX for more info. I called XXXX and they had no idea what was going on. They then filed a dispute on my behalf. I checked on status a week later with XXXX. They stated Lowes had closed my account due to my creditworthiness and told me I could call the financial bureau to file a complaint. I spoke to rep at Lowes today XX/XX/XXXX. I let rep know they must give me 30 days notice, rep then stated per their contract they do not have to give me 30 days. Rep states they sent letter out in XX/XX/XXXX through email. Today I looked for a email from Lowes as I did not recall receiving an email by Lowes in this regards. I was able to locate email from XX/XX/XXXX with date XX/XX/XXXX on letter. I made a payment for XXXX on XX/XX/XXXX. I am frustrated this account was closed after making a big payment. I am hoping to somehow resolve this situation.

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 2025-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I have never done any business with you. I am unaware of any contractual agreement or obligations to pay you. This is my final warning and NOTICE to you. I refuse to pay this alleged debt. Please remove my nonpublic personal information from your database or system of records. I am demanding that you comply under the FDCPA and FCRA and remove this tradeline from my consumer report from any and all credit reporting agencies such as XXXX, XXXX and XXXX immediately upon receipt of this NOTICE. I did not consent to any storing, sharing, using or profiting from my nonpublic personal information. Please note any violation of my consumer rights under the FDCPA and/or FCRA you shall be liable pursuant to 15 USC 1692k and any other applicable laws.

PLEASE NOTE : I am aware of several lawsuits filed against you which includes but not limited to : Consumer Financial Protection Bureau Settles Lawsuit with Debt Collectors and Debt Buyers Encore Capital Group, Midland Funding, Midland Credit Management, and XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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:
Company did not properly investigate information being reported to credit bureau. And is running my life and ruining my credit. Lawsuit is open against company for exact reason. 

In reference to Equifax Data Breach settlement : I have already been compensated.

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 2025-01-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was paying monthly on my credit card until I noticed that my balance never went down and only increased. When I say increase, I dont mean your monthly late fee if later instead the fee was more than 3 times amount of my monthly bill. I spoke with several representative and even got on a plan. The plan allowed me to make normal payments for 3 months but it really wasnt a helpful repayment plan it seems as if they stopped the interest while paying then tagged on even more interest afterwards. I didnt do any cash back with the card. I went from an interest rate around 9 % now having to pay over 40 %. I finally quit making payments because no matter what my balance was not decreasing and my credit is being effective. I would never suggest this company to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: WI

Complaint narrative:
Subject : DEMAND FOR IMMEDIATE BLOCKING AND DELETION OF FRAUDULENT ACCOUNTS PURSUANT TO 15 U.S.C. 1681c-2 ( a ) Dear Transunion Customer Service , I am writing to formally demand the immediate blocking and deletion of all fraudulent accounts and unauthorized inquiries that have appeared on my credit report as a direct result of identity theft caused by the Equifax data breach. Pursuant to 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), you are legally required to block and remove this fraudulent information from my credit file upon receipt of notice and supporting documentation. 
The accounts and inquiries in question include : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To assist in your investigation and fulfill your legal obligations, I have provided the following documents : A copy of my government-issued ID Proof of address A copy of a police report or FTC Identity Theft Report The Equifax data breach exposed my personal information, which has resulted in fraudulent activity on my credit report. I expect Experian to take immediate action to rectify the harm caused by this breach and comply with its legal obligation under the FCRA.

I demand written confirmation that these fraudulent accounts and inquiries have been permanently removed from my credit report. Additionally, if Experian chooses to reinstate any of the disputed items, I expect a detailed explanation, along with the evidence used to validate their accuracy.

Failure to comply with my request will result in further action, including formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my state attorney general, and any other relevant regulatory authorities.

I expect a response and resolution within the legally required timeframe. If you need further information, you may contact me directly at the information above. 
Sincerely, XXXX XXXXXXXX XXXX Enclosures : ID, Proof of Address, SSC, FTC

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
There was an old account about XXXX XXXX XXXX that had been removed. It suddenly popped back up and took my score down over XXXX points. I logged into the Equifax website to dispute it but it wasnt there. I havent seen it anymore but my score was heavily impacted. I checked all 3 bureaus to be sure and nothing. But my credit never went back up

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I am filing a complaint against Cash App ( Block. Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: EQUIFAX, INC.
State: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: TX

Complaint narrative:
Cash App did not have a live representative available.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation
State: MI

Complaint narrative:
Fraudulent Account Information : Account Type : Credit Account Account Number : XXXX Alleged Balance : {$9700.00} I am submitting this complaint to report a case of identity theft involving the OneMain Financial account associated with Account Number : XXXX and an alleged balance of {$9700.00}. This account was fraudulently opened and/or used without my consent or knowledge, and I am not responsible for the debt associated with it. I have no affiliation with OneMain Financial, nor did I authorize the creation of this account. 

The fraudulent account has been reported on my credit report by the three major credit bureaus ( XXXX, XXXX, and XXXX ) without my knowledge or consent. This action violates my privacy rights under the Gramm-Leach-Bliley Act ( GLBA ), my rights to fair credit reporting under the Fair Credit Reporting Act ( FCRA ), and my rights under the Fair Debt Collection Practices Act ( FDCPA ). These actions have damaged my credit, caused financial distress, and violated my personal privacy.

Violations : 1. Violation of Gramm-Leach-Bliley Act ( GLBA ) - 15 U.S.C. 6801 : My non-public personal information ( NPI ) was shared with OneMain Financial and the credit bureaus without my consent, violating my privacy rights under the Gramm-Leach-Bliley Act ( GLBA ). I did not authorize the use of my personal information to open this fraudulent account, nor did I receive any notice of such usage or disclosure.

2. Violation of Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 : The fraudulent account, along with its alleged balance, has been inaccurately reported to the credit bureaus. Under the FCRA, I have the right to dispute fraudulent accounts, and I did not consent to the creation of this account. The presence of this fraudulent account on my credit report is damaging my creditworthiness and violates the FCRA.

3. Violation of Fair Debt Collection Practices Act ( FDCPA ) : If this fraudulent account has been referred to third-party debt collectors, I request that any collection activity related to this account cease immediately. Under the FDCPA, debt collectors are prohibited from pursuing fraudulent debt and must validate the debt upon request. I have not applied for or authorized any debt with OneMain Financial, and I request that the debt be validated or dismissed if applicable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion, has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against TransUnion, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where TransUnion has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as TransUnion in action violates federal law and my rights as a consumer.

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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-01-31 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.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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