vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westcreek Financial
State: DE

Complaint narrative:
I did not authorize these inquiries and I am a victim of 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: AZ

Complaint narrative:
I am submitting this formal dispute regarding the late payment entries on my credit report : XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX - {$0.00} XXXX XXXX XXXX XXXX - {$0.00} These records do not reflect my actual payment history and should be corrected. I have made multiple attempts to get this matter resolved, providing all relevant documentation and following up persistently, yet the errors remain. This situation has not only impacted my financial health but has also caused me a great deal of frustration and stress.

The Fair Credit Reporting Act ( FCRA ) ensures my right to an accurate credit report. Any incorrect, outdated, or misleading information should be promptly removed or updated. I urge you to take immediate action to correct these records.

Please prioritize this matter, as these errors are negatively affecting my credit standing. I look forward to your timely response.

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 2025-02-06 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.
State: TX

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

I demand the late payment reported to be removed/updated.

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 2025-02-06 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: Nelnet, Inc.
State: TN

Complaint narrative:
Hello By law, student loans should not report to any credit bureau.

According to the FCRA, 15 U.S. Code 6802 b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option I should be informed of my rights. Under the Gramm Leach Bliley Act you have a right to opt out getting your nonpublic personal information shared with a non affiliated party. All three bureaus are non affiliated three parties. My rights have been violated as I was not provided with the Opt out disclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AZ

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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Phone : XXXX Date : XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Equifax, I am writing to formally dispute several unauthorized inquiries on my credit report under the Fair Credit Reporting Act, specifically 15 USC 1681b ( 2 ). These unauthorized inquiries have resulted in significant inconvenience and mental stress, and I request their immediate removal.

The inquiries in question are from the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries were made without my authorization, and I expect them to be removed promptly. Failure to address this issue may compel me to seek monetary compensation for the distress and inconvenience caused.

Furthermore, I would like to bring to your attention the ongoing lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Equifax. This legal action highlights your responsibility in ensuring that consumer disputes are properly investigated, and that inaccuracies are corrected swiftly. This underscores the importance of removing these unauthorized inquiries from my credit report at your earliest convenience.

Please confirm the removal of these inquiries. You may contact me using the phone number provided above if you require any additional information.

Thank you for your immediate attention to this matter. I look forward to a swift resolution.

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: AR

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I mark as inaccurate Adresses : XXXX XXXX XXXX XXXX, XXXX XXXX, Ar. XXXX. XXXX XXXX XXXX, XXXX, XXXX Ar. XXXX, XXXX XXXX XXXX XXXX XXXX, Ar. XXXX. XXXX XXXX XXXX {$890.00}, XXXX XXXX {$210.00}, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX {$510.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXI want reported accounts removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Servicing Solutions, LLC
State: MD

Complaint narrative:
I sent an email on XX/XX/year> requesting a debt validation, and my statements from XXXX. I have received no follow up correspondence, except for calls and emails that I have now past due payments. They have taken previous automatic payments from my account without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I was one of many whom were exposed in the Data Breach and have seen several things and numerous things on my credit REPORT. I also learned because of the breach, some of my info has made it to the Dark Web

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I keep receiving statements and credit card account emails from Synchrony that do not belong to me. I have tried to resolve this by phone and have been unsuccessful.

I am unable to email them directly as the email addresses they are coming from are not monitored. However, they did say to contact them by sending correspondence by mail to the physical address provided in the fine print of the email.

I sent them a request to remove my email from their database, along with physical copies of the emails being received to the mailing address. I have sent these to them about 3 different times with no results and continue to receive statement alerts and payment info. even though I have blocked them. 

The person named XXXX XXXX XXXX in XXXX XXXX XXXX MT, opened these credit card accounts using my email, either on purpose or by accident. This is concerning as I can see some of their personal info., such as address, part of the credit card info.

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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Atlanticus Services Corporation
State: MI

Complaint narrative:
I received an XXXX XXXX XXXX alert XX/XX/year> for a hard credit check form XXXX XXXX, i called them to report fraud XX/XX/year> and they said it was flagged and nothing was opened. 

I received another XXXX alert XXXX for a new account from XXXX for {$5000.00} at XXXX XXXX XXXX XXXX in Connecticut. I called to report the fraud, cancel the card and completed, notarized, signed and faxed their form to investigate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
The company Capital One Auto Finance XXXX as they have been sued for fraudulently reporting consumers information. They have reported that I owe a debt for income they have received on an auto loan and also I am aware that the incorrect reporting breach from XXXX  and XXXX has negatively affected my reports. 
I have asked for the 1099 C showing they have received the income for this " debt '' and have not been provided the correct information.

According to FTC income should not be reported on my credit report. I am writing you to see to it that the proper measures be taken in order to remove this inaccurate information from my report.

I am filing this complaint against Capital One Auto Finance for improperly reporting income from a charge-off on my credit report, which may violate federal law, including the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, and Internal Revenue Code ( IRC ) provisions regarding debt cancellation.

III. Nature of the Issue Capital One Auto Finance has reported a charge-off on my credit report. However, they have also improperly reported this charge-off as income, which inaccurately inflates my taxable earnings and negatively impacts my creditworthiness.

Under 15 U.S.C. 1681s-2 ( a ), furnishers of credit information have a duty to report accurate information to consumer reporting agencies. By mischaracterizing a charge-off as income, the creditor has provided false and misleading data.

A charge-off is an accounting designation for a delinquent debt but does not constitute taxable income unless the debt is legally forgiven and a Form 1099-C is issued under 26 U.S.C. 6050P. I have not received a valid cancellation of debt notification, meaning this reporting is both incorrect and damaging.

This misreporting has caused harm, including potential IRS implications and an unjust impact on my credit score.

Additionally, the Consumer Financial Protection Bureau ( CFPB ) has previously taken enforcement action against Capital One for similar practices, holding that such misreporting is a violation of consumer protection laws. This case sets a precedent that creditors can not unlawfully report charge-offs as income to mislead credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: MS

Complaint narrative:
My credit reports were affected by the Credit bureaus data breach. I have incorrect information reporting, and some items are reporting on my credit report duplicates. I have sent dispute letters by mail, email and online. It has been more than 90 days, and no updates have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: TN

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Axela Technologies, Inc
State: IN

Complaint narrative:
On XX/XX/XXXX, I followed a dispute with Schwartz Vays, they responded on XX/XX/XXXX as dated on their letter which I received XX/XX/XXXX. During this time while my dispute was ongoing, they continue to charge interest in fees which violates consumer financial protection bureau regulations. 

On XX/XX/XXXX I filed the second dispute disputing these interest in fee charges from the initial dispute, during this dispute they continue to add fees and interest during the dispute. 

I have now filed a third dispute with them, disputing all of the interest and fees that they have added, while the first and second disputes were open.

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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CO

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 explanation
Consumer complaint received 2025-02-06 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: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXXXX/XX/XXXX Re : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action. 
Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. 

XXXX XXXX XXXXXXXX Additionally, I request the removal of all unauthorized inquiries related to this 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 XX/XX/XXXX Furthermore, I request the removal of all unknown addresses associated to 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  Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 
I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. 
I expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report.

This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. 
Thank you for your immediate action to this issue. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SOFI TECHNOLOGIES, INC.
State: CO

Complaint narrative:
I deposited a check from selling a vehicle only to be met with a message shortly after stating " Account Restricted. Your account is currently restricted. Please reach out to us as soon as you can for more information. '' I contacted them and after a lengthy hold I was told that my account was marked for closure and the decision was final. That they would mail a check of my final balance in 7-10 days. I asked what the exact reason was and she couldn't tell me why. 

I followed up about 5 days later and received a similar story but that there was no expected timeline and I would get an email when my account was finally closed. I asked for more clarity and alternative options but none were given. 

I am literally sitting in a home without running water because I am waiting on the funds to become liquid, no pun intended, to pay the bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living 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