vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-26 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: CA

Complaint narrative:
I am a victim of identity theft and recently discovered several unauthorized hard inquiries on my credit report that I did not initiate or approve. These inquiries were made by companies I have no relationship with and I did not apply for credit with them on any of the listed dates. 

The following inquiries are unauthorized : XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX  XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I did not authorize any of these companies to pull my credit, nor did I submit any applications for credit cards, loans, or services with them on or near those dates. 

Upon discovering these inquiries, I took the following actions : I submitted disputes with the credit reporting agency to request removal of these fraudulent inquiries. 
I reported the identity theft incident to the Federal Trade Commission ( FTC ). 
I initiated steps to protect my identity, including placing a fraud alert on my credit profile. 
These inquiries are negatively impacting my credit and are the result of unauthorized use of my personal information. I am requesting the Consumer Financial Protection Bureaus assistance in having these inquiries removed from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Took advantage of XXXX XXXX  interest promotions with three different end dates. Been paying and request numerous times to pay off the first due promotion. My payments havent been applied towards the first or second promotion as requested. Now im told promotion will not be paid in the time allotted even though I have paid enough money and requested pay off. 
Today they told me I dont have a promotion, I have a special finance program???? 
Never head that before I have attached the promotions and nowhere does it state special finance program.

Thet refused to apply my payments as directed to pay off my debt

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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

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 information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I declare that the inaccurate late payment remarks on my accounts constitute a violation of 15 USC 1666. I have always made my payments promptly, and any discrepancies in this reporting are both unjust and illegal.

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: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Yesterday I was able to access my account no problem then today I cant use my card I cant access my mobile banking app called the bank they said they are closing my account and they are not giving any reason for the account getting closed and also saying that they will no longer allow me to open a new account with them after depositing a check for a painting job that I have already purchased the paint for and they deposited check was supposed to be available XX/XX/year> and now the customer is angry with me and threatening to sue me for the amount of the check and Im just confused as of why my account would be closed with no notice or explanation of why. Now I can no longer use my bank card and pay bills with account I used for over three years never had a problem 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
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: CA

Complaint narrative:
I am attaching a FTC report containing XXXX fraudulent accounts as well as XXXX fraudulent inquiries! I have listed addresses I have no association too to be removed from my personal information. I will be attaching My paid for California Identification receipt dated XXXX along with my voters registration card to help to confirm my identity.

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 2025-03-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: World Omni Financial Corp.
State: NY

Complaint narrative:
They sold the car and then they asked for to pay the remaining balance

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: EQUIFAX, INC.
State: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-03-26 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: CA

Complaint narrative:
I am a victim of identity theft and recently discovered several unauthorized hard inquiries on my credit report that I did not initiate or approve. These inquiries were made by companies I have no relationship with and I did not apply for credit with them on any of the listed dates. 

The following inquiries are unauthorized : XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX  XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I did not authorize any of these companies to pull my credit, nor did I submit any applications for credit cards, loans, or services with them on or near those dates. 

Upon discovering these inquiries, I took the following actions : I submitted disputes with the credit reporting agency to request removal of these fraudulent inquiries. 
I reported the identity theft incident to the Federal Trade Commission ( FTC ). 
I initiated steps to protect my identity, including placing a fraud alert on my credit profile. 
These inquiries are negatively impacting my credit and are the result of unauthorized use of my personal information. I am requesting the Consumer Financial Protection Bureaus assistance in having these inquiries removed from my credit file.

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 2025-03-26 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: NY

Complaint narrative:
My credit is is inaccurate which is not fair to me. Please investigate it and fix it. I'm, really tired and sick with these thing. Should be there be any updates on my inquires, I'm gon na go to court.

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 information incorrect
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
I am writing to formally dispute the continued reporting of a charged-off account on my credit report. According to the IRS, an unpaid charge-off is considered income, and under the Fair Credit Reporting Act ( FCRA ), income can not be reported on a credit report. 

I received a 1099-C ( Cancellation of Debt ) for the following charged-off account ( s ) : Creditor Name : XXXX XXXX XXXXXXXX XXXX Account Number XXXX XXXX Charge-Off Amount : {$1600.00} Upon reviewing my most recent credit report, I found that this account is still being reported as a charge-off. Since the debt has been canceled and reported as income to the IRS, it should no longer be reflected as a delinquent or charged-off account on my credit file. 

Under the FCRA, credit reporting agencies and furnishers are required to ensure the accuracy of reported information. Reporting a canceled debt as a charge-off is inaccurate and misleading, and I am requesting its immediate removal from my credit report. 

Please cease the reporting of this account and delete it from my credit file immediately. I request written confirmation of the account 's removal within 30 days. 

Thank you for your prompt attention to this matter. If you require additional information, please contact me at the phone number or email listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: Millco Management
State: NC

Complaint narrative:
On XX/XX/year> when reviewing my credit report. I noticed that that XXXX has violated FCRA laws 15 USC 1681i a 1,15 USC 1681 a 6 B 3 and 15 USC 1681 a 5 B. The accounts were deleted and proven to be fraudulent. Documents were sent in such as a police report, state driver 's license, proof of residence and a copy of my social security card. The accounts such as : XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, and XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: LA

Complaint narrative:
Company couldnt find debt and asked to see it on my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: AR

Complaint narrative:
I am filling a complaint against Cashapp XXXX Block Inc ) due to inadequate customer service and unfair practices, which violates 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. Futhermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Eectronic Funds Transfer Act ( EFTA ) and Regulations E. This actions have caused significant inconvince and Financial loss. I seek appropriate redress for these actions.

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: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I signed up for the extra services/membership for Experian. However, their credit scores weren't accurate and I canceled. They sent a confirmation email verifying the cancelation and saying i would not be charged " any future fees ''. These email was sent on XX/XX/year>. Today, they debited my card for {$26.00} despite my canceling. When i called customer service, the supervisor XXXX indicated she was the highest form of management and they have no record of a cancelation email. I have attached a screenshot of the email they sent.

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 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian keeps doing the same thing over and over with my credit score. They take off XXXX points, and keep it like that for a few weeks, then they put they XXXX points back on my credit score with them and 3 days later they took the XXXX points out again and they repeat the same cycle, over and over and over again. They put weeks later the XXXX points and they take the points out a few days later again, to repeat the cycle again. 
This time the say that the reason was one of my cards was up XXXX XXXX 
An increase of XXXX $ provoque a reduction of XXXX points? Again? Really? XXXX $ that I paid next day? Really? 
The money that I have available to use I think is XXXX $ with all my credit cards combined. 
I never use any of that, you can check that, I always paid next day, check my record. 
XXXX $? Are you serious? Or is EXPERIAN forcing me to buy some of his financials services nd memberships that I refuse to buy?? Then they will keep my credit score accurate?

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