vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-30 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: MD

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 2025-01-30 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Professional Datasolutions, Inc.
State: TN

Complaint narrative:
XXXX XXXX credit line as screwed my account up and not trying to charge me a {$30.00} fee

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
The issue is that the company offers a 30 % discount on any purchase made within the first XXXX days of opening an account. The salesperson informed me that the discount wouldnt appear on my purchase receipt but would instead be applied to my credit card statement. That was the only information givenjust use the card for XXXX days and receive 30 % off. 

When I received my XXXX XXXX statement, I noticed that the discount had only been applied to XXXX out of XXXX purchases. When I called to complain, the company told me that the XXXX  % discount was capped at a total of $ XXXX that was never mentioned to me in the store. In fact, my first XXXX purchases had already reached this limit, yet the salesperson failed to inform me. Instead, they used a calculator to show me how much I had " saved '' by opening the account and encouraged me to keep shopping. 

The tricky part is that the 30 % discount never appeared on the receipts, so there was no way for me to notice the limit had been reached. I explained all of this to the stores customer service, but they simply apologized for the misunderstanding. Unfortunately, since Ive already used the items, I cant return them.

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 2025-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I contacted capital one XX/XX/year> to set up a payment plan due to financial hardships, I was only offered 3 months of no late fees or paying {$350.00} per month, neither of which where beneficial or affordable for me so I closed the account. I called back a month later to see if a different payment plan was available and they could not help me. They continue to charge over {$200.00} in interest every month. I have made small payments, but my account says that I have missed XXXX payments which is inaccurate, I have only missed XXXX  payment. This is negatively impacting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Approximately XX/XX/year> I sent a letter to Experian regarding incorrect information reporting on my file for XXXX XXXX XXXX. Experian subsequently acknowledged my letter by stating I needed to send additional information to verify my identity. 

I submitted another letter that included my identification and had the document notarized. Experian then sent a letter stating the information I disputed had been verified. However, the company, XXXX XXXX XXXX also sent a letter stating they couldn't verify the information and would be ceasing any collection efforts. The letter states they would notify the credit reporting agencies as well. 

As of today 's date, my Experian Consumer Report reflects the same incorrect information as it did on XX/XX/year>. Even with XXXX XXXX XXXX sending an acknowledgment that they can't verify the information, Experian said they verified the information and no changes will be made. 

Attached are the letters I sent, as well as the letter from 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 2025-01-30 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: TX

Complaint narrative:
I am filling this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this items, as it is incorrect and does not reflect my true credit history. XXXX XXXX XXXX, Account number XXXX, Account type Collection

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 2025-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT DUE TO AN XXXX DATA BREACH FURTHERMORE FOUND SEVERAL ACCOUNTS ON 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 2025-01-30 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: AL

Complaint narrative:
While Cash App someone was trying to send {$65.00} back to me and the transaction went through on her mobile but on my mobile there were no money being transferred with that transaction. I looked for customer support contact and only came up with an option to send an email but I never got a notification for receiving my email nor did receive an email back Cash app. I never received my {$65.00} dollars from Cash App

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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:
Dear Equifax Dispute Department, I am writing to formally dispute the following accounts, which have been incorrectly attributed to me and are not mine : XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts were opened or reported without my authorization and do not belong to me. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information and request an investigation. 

I kindly request that Equifax investigate these accounts and remove them from my credit report. Thank you for addressing this matter promptly. If you require additional documentation or information, please contact me directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: GA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-01-30 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: NY

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: GA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: NV

Complaint narrative:
Experian 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 Experian, 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 Experian 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 Experian 's inaction 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 explanation
Consumer complaint received 2025-01-30 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: SC

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 non-monetary relief
Consumer complaint received 2025-01-30 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: GA

Complaint narrative:
I recently noticed unauthorized hard inquiries on my credit report which I did not authorize. Under the Fair Credit Reporting Act ( FCRA ) 1681b, companies must have a permissible purpose to pull my credit report, and I have not given consent for these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I want reported accounts to be removed I was not provided any proof or documentation that XXXX and XXXX used to verify these debts on my credit report. I have has asked for 3 months. XXXX XXXX, and XXXX of XXXX proof of how they verified these accounts. This violates the fair credit reporting g act 15 USC &. 1681i, which mandates a reasonable explanation into disputes Furthermore Equifaxs actions may also contravene the consumer financial Act 12USC. 5536 ( a ) ( 1 ) ( A ) - ( B ). As high listed in the recent CFPB recent administrative proceedings ( file No XXXX XXXX ) taking action against them for similiar practices. I request that CFPB take action to ensure XXXX complies with federal laws and provides consumers with necessary proof. Accounts in question are. XXXX XXXX XXXX {$740.00} XXXX XXXX  {$1100.00} XXXX XXXX XXXX {$740.00}.

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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I want reported accounts to be removed I was not provided any proof or documentation that XXXX and Equifax used to verify these debts on my credit report. I have has asked for 3 months. XXXX XXXX, and XXXX of XXXX proof of how they verified these accounts. This violates the fair credit reporting g act 15 USC &. 1681i, which mandates a reasonable explanation into disputes Furthermore Equifaxs actions may also contravene the consumer financial Act 12USC. 5536 ( a ) ( 1 ) ( A ) - ( B ). As high listed in the recent CFPB recent administrative proceedings ( file XXXX XXXX XXXX ) taking action against them for similiar practices. I request that CFPB take action to ensure Equifax complies with federal laws and provides consumers with necessary proof. Accounts in question are. XXXX XXXX XXXX {$740.00} XXXX XXXX  {$1100.00} XXXX XXXX XXXX {$740.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: OK

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/ information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: LEXISNEXIS
State: VA

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I & XXXX XXXX  ; m certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: General Motors Financial Company, Inc.
State: MS

Complaint narrative:
I am rewriting to address multiple unresolved issues with the information on my credit report in GM FINANCIAL, despite prior disputes I filed regarding inaccuracies. I initially reached out to correct discrepancies, including errors in the dates of last payments, dates accounts were opened, payment history, and account status. 
After providing supporting documentation, I was assured that an exhaustive examination had been conducted. However, as of today, my credit report remains unchanged, and the errors persist. Moreover, I have noticed negative actions have been taken on my credit report despite these unresolved issues. My full name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX, XXXX XXXX. My date of birth is XX/XX/year>. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. Under 15 U.S.C. 1681e ( b ), GM FINANCIAL is required to maintain reasonable procedures to ensure the accuracy of the information provided, and my submitted evidence of inaccuracies shows a failure to do so. According to 15 U.S.C. 1681i, GM FINANCIAL is obligated to investigate disputes within 30 days, but I have not received any update or resolution. This delay constitutes a violation of my rights. Furthermore, under 15 U.S.C. 1681 ( a ) and 1681b, a consumer report can not be shared without my written consent unless exceptions apply. I request confirmation that my consent was obtained for any recent disclosures of my credit report. As part of my efforts to resolve this matter, I have filed a formal complaint with the Federal Trade Commission ( FTC ) under report number XXXX and expect GM FINANCIAL to cooperate with the FTC in addressing these concerns. To resolve this promptly, I request a reinvestigation of my credit report, specifically addressing the inaccuracies in payment dates, account opening dates, payment history, and account status. I further request that erroneous information be corrected or removed immediately. 
Please provide a detailed written response outlining the steps taken to resolve these issues and ensure compliance with the FCRA. If these issues are not resolved within 30 days, I will consider further legal action, including seeking damages for violations of the FCRA. I expect your prompt attention to this matter and resolution within the legally required 30-day timeframe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date : XX/XX/year> To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Formal Complaint Regarding Inaccurate Credit Reporting Account # XXXX Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against National Credit System regarding the reporting of account # XXXX on my credit report. After carefully reviewing my credit file, I have identified several inaccuracies and violations of the Fair Credit Reporting Act ( FCRA ) that are negatively impacting my creditworthiness. 

According to the FCRA 1681s-2, furnishers of credit information are required to report only accurate and verifiable data. However, the information being reported on this account is inconsistent, misleading, and incorrect. The specific violations I have noticed include : Inaccurate account status : The reported details do not reflect a fair and accurate representation of my financial history. 
Failure to verify the debt : The creditor has not provided sufficient evidence to validate the legitimacy of this account. 
Potential re-aging of the account : If the reporting date has been manipulated to extend its impact on my credit report, this is a serious violation of the FCRA. 

I have disputed this matter with the furnisher directly, but they have failed to correct the errors or provide sufficient validation. Given the multiple violations of the Fair Credit Reporting Act, I believe the fair and lawful resolution would be to delete this account from my credit report immediately. 

I am requesting the CFPB to investigate this matter and take appropriate action to ensure compliance with federal laws and protect my rights as a consumer. Please provide me with an update on the steps being taken regarding this complaint. 

Thank you for your time and attention to this serious matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: AL

Complaint narrative:
This is against cash app. They was not available for as customer service to handle disputes and problems with cash app

Company response to consumer: Closed with explanation