vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-08 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:
Went car shopping with my daughter ONLY on XX/XX/year> and decide not to move forward with the purchase as it was a horrible deal. However, XXXX XXXX  continued to run both my daughter and my credit the following day without verbal or written consent, In hopes to still make a sale that we were no longer interested in. Because of the lack of transparency from XXXX XXXX representative, ALL inquires need to be deleted immediately. Also during the one- day visit at the dealer, we received misleading information, when trying to elaborate that the information on the credit report was incorrect and wanted to see about a reconsideration by dealer calling the finance company, in which was denied. The running of my credit was very excessive and I was only advised on it being ran through XXXX banks and not all the numerous banks.

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 2025-03-08 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: NJ

Complaint narrative:
I need your assistance in reviewing accounts from companies that are incorrectly reporting late payments. After checking my credit report, I noticed certain accounts marked late when they should not be. These accounts should not have any late payment remarks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NH

Complaint narrative:
I tried to make a payment on my amazon credit card account. the name of the bank, which runs the credit card account is called synchrony financial. i tried to select the box which allows me to make a payment of the amount that I choose. the amount that I attended to choose is in excess of the minimum payment. the website refused to give me the option to pay the amount that I chose. the website only gave me an option to pay the minimum payment. i participated in a live chat session with an agent to resolve the problem. the agent refused to accept the payment after trying to process it

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 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Subject : Demand for Immediate Deletion of Inaccurate/Unverifiable Information Violation of FCRA 15 U.S.C. 1681i ( 5 ) ( A ) To Whom It May Concern, This letter serves as a formal demand for the immediate deletion of inaccurate, incomplete, or unverifiable information from my credit report in accordance with 15 U.S.C. 1681i ( 5 ) ( A ) of the Fair Credit Reporting Act ( FCRA ). 

I previously disputed incorrect and inaccurate info on my report and requested a proper reinvestigation. As per the law, if any disputed item is found to be inaccurate, incomplete, or can not be verified, it must be deleted from my file. Yet, to my knowledge, these erroneous entries remain on my credit report. 

PLEASE FIX EVERYTHING IN MY PERSONAL INFORMATION THAT IS NOT THE FOLLOWING : 1. PLEASE UPDATE MY NAME TO : XXXX XXXX XXXX. PLEASE UPDATE MY ADDRESS TO : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX. MY ONLY SOCIAL SECURITY NUMBER : SS # : XXXX XXXX. MY ONLY AND CORRECT DATE OF BIRTH : Date of Birth : XX/XX/year> XXXX. MY ONLY EMPLOYER IS : I DO NOT WISH TO HAVE MY PHONE NUMBER LISTED ON MY REPORT. 

Failure to comply with the FCRA is a direct violation of federal law. You are now on formal notice that if these disputed items are not permanently deleted immediately, I will have no choice but to escalate this matter, including but not limited to : Filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Pursuing legal action for willful noncompliance, which carries statutory damages of up to {$1000.00} per violation, along with punitive damages and attorney fees under 15 U.S.C. 1681n. 
Holding you liable for any financial harm caused by your failure to uphold your legal obligations. 
This is your final notice. I demand written confirmation that the disputed information has been deleted from my credit report within 15 days of receiving this letter. If you fail to comply, I will take all necessary legal action without further warning. 

You have been warned. Govern yourselves accordingly.

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 2025-03-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am writing to formally request validation of the debt you claim I owe, as required under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g. I recently received a notice from your company regarding this alleged debt, and I would like to ensure its accuracy before taking any further action. 
Please provide the following information : 1. The name of the original creditor. 
2. The full amount of the alleged debt, including any interest or fees. 
3. A detailed account history, including all payments made. 
4. A copy of the original signed agreement or contract proving I agreed to this debt. 
5. Proof that you are legally authorized to collect this debt. 
Until you provide this information, I request that you cease all collection efforts, including reporting this debt to the credit bureaus. If this debt is not validated within 30 days, I expect it to be removed from my credit report per my rights under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: NJ

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-03-08 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: AZ

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Block, Inc.
State: CA

Complaint narrative:
cash app, which was connected to my XXXX  XXXX XXXX  account was the cause. Since I did not a cash app account at the time, any yet there were withdrawals made from ny account leading to my funds being completely emptied. After rectifying XXXX XXXX XXXX on the phone and needing to go into the actual branch with a newly issued drivers licence i provided them a copy of my XXXX  drivers licence, they withdrew most of the funds that came from my account so I could go to XXXX for a replacement. I'm unsure what took place concerning my XXXX  XXXX XXXX  account but it was closed without notice. Cash app caused this to happen. I opened my own cash app later since my bank account closure even though I had my XXXX  and XXXX  income taxes to be directly deposited to it. which lead to more problems and I can not deposit cash or cash checks with the cashapp at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HUNTINGTON NATIONAL BANK, THE
State: NC

Complaint narrative:
I requested a verification and validation of this account and the debt. I have sent a notarized notice to the company stating that I dispute this debt and requesting that they either verify this debt OR either remove it from my credit report or report it as paid in full. It has been well over 90 days now, and I have received no response at all. I sent the notice on XX/XX/year>2024. I also requested that the Credit Reporting agencies remove this account from my report. 

I am attaching a copy of this notice. 

I certify that I have received NO response from the company verifying this alleged debt, and that the negative information still remains on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Incorrect Addresses on Credit Report Dear Sir/Madam , I am writing to formally dispute three incorrect addresses listed on my Experian credit report. The addresses in question are : XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, DC XXXX None of these addresses are current or previous addresses of mine. 

Below are my details for identification purposes : Full Name : XXXX XXXX Date of Birth : XX/XX/XXXX Social Security Number ( last XXXX digits ) : XXXX Current Address : XXXX XXXX XXXX, XXXX XXXX, MD XXXX The correct address is as follows : XXXX XXXX XXXX, XXXX XXXX, MD XXXX I kindly request that you investigate and correct these errors. 

Please let me know if any additional information is required. I look forward to your prompt resolution of this matter. 

Thank you for your attention to this issue. I expect a response within the 30-day period required by law. 

Sincerely, 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 2025-03-08 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: NJ

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: NJ

Complaint narrative:
I am requesting the immediate removal of unauthorized accounts from my credit report. These accounts were not initiated or approved by me, and I am unaware of their source. In compliance with USC 1681g, please process their removal within 15 days. Supporting documents are enclosed for your reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 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: FL

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. XXXX ) 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. The name of the accounts are as followed : XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Subject : Request for Reinvestigation and Removal of Charge-Off Account # XXXX To Whom It May Concern, I am writing to dispute the accuracy of a charge-off listed on my credit report under the account XXXX  # XXXX. I have received a 1099-C form for this account, indicating that the debt was canceled. According to the Internal Revenue Code ( IRC ) 6050P, a 1099-C form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a 1099-C form has been issued, the reporting of this charge-off is both inaccurate and misleading. 

I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from my credit report. If the information can not be verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with written confirmation that this item has been corrected and removed. If you are unable to verify the accuracy of this information, it must be deleted from my credit report as required by law. 

Thank you for your prompt attention to this matter. I look forward to your 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 2025-03-08 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:
On XX/XX/year>, XXXX unauthorized hard inquiries were made on my Equifax credit report. The inquiries are from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and none of these actions were authorized by me. I did not apply for credit with these companies, and these inquiries appear to be fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
All of my information was exposed with all XXXX credit bureaus and I want my reports wiped clean

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 2025-03-08 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: IL

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: FL

Complaint narrative:
Subject : Credit Report Inaccuracy Dispute To : dispute department Date : XX/XX/XXXX Dear Dispute Department, I reviewed my credit report on XX/XX/XXXX, and noticed several inaccuracies that violate the Fair Credit Reporting Act ( XXXX  ), which requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy. 

The following accounts contain incomplete and incorrect information : Closed accounts : XXXX Closed on XX/XX/XXXX XXXX Closed on XX/XX/XXXX XXXX Closed on XX/XX/XXXX XXXX Closed on XX/XX/XXXX FB & XXXX Closed on XX/XX/XXXX XXXX CARD Closed on XX/XX/XXXX XXXX Closed on XX/XX/XXXX XXXX Closed on XX/XX/XXXX Since this information is not complete or accurate, I formally request that you investigate and correct these errors immediately. Please provide documentation of your investigation and the sources used to verify this information. 

I have attached copies of my credit report and any supporting documentation. Please respond in writing within XXXX  days as required by the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 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: FL

Complaint narrative:
Subject : Credit Report Inaccuracy Dispute To : dispute department Date : XX/XX/XXXX Dear Dispute Department, I reviewed my credit report on XX/XX/XXXX, and noticed several inaccuracies that violate the Fair Credit Reporting Act ( XXXX  ), which requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy. 

The following accounts contain incomplete and incorrect information : Closed accounts : XXXX Closed on XX/XX/XXXX XXXX Closed on XX/XX/XXXX XXXX Closed on XX/XX/XXXX XXXX Closed on XX/XX/XXXX FB & XXXX Closed on XX/XX/XXXX XXXX CARD Closed on XX/XX/XXXX XXXX Closed on XX/XX/XXXX XXXX Closed on XX/XX/XXXX Since this information is not complete or accurate, I formally request that you investigate and correct these errors immediately. Please provide documentation of your investigation and the sources used to verify this information. 

I have attached copies of my credit report and any supporting documentation. Please respond in writing within XXXX  days as required by the FCRA.

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 2025-03-08 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: IL

Complaint narrative:
US Bank XXXX card sent me a series of personal checks to utilize. I wrote check number XXXX for {$1200.00} but XXXX  XXXX XXXX refused to deposit it, claiming the check was invalid and not authorized. I called the authorization number XXXX and the automated line confirmed that the check was not authorized, even though I authorized it on XX/XX/XXXX. XXXX  XXXX XXXX closed my checking account, which also caused my salary direct deposit for the month of XXXX to not process. 

US Bank XXXX XXXX is refusing to return my {$1200.00} even though the check has not been cashed and I have faxed them XXXX copies of the check with VOID written across the front. My account number is 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