vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX XXXX : XX/XX/year> Experian XXXX XXXX XXXX XXXX XXXX  XXXX TX XXXX RE : Correction to my personal information Dear Experian, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. Please remove the following incorrect names off my personal record. Thank you for your assistance. 

Incorrect names : XXXX XXXX XXXX, XXXX XXXX XXXX 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 2025-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: ID

Complaint narrative:
I was never notified about a possible account closer. My account was closed with no notification and my pay check direct deposit was held. I am being denied access to my funds and am facing an eviction because of this. I have tried to reach US band on many occasions to remedy the situation and they have refused.

Violating my rights to access my funds that are not owed to them.

They have caused me undue stress.

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 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I lost my job in XXXX of XXXX to covid due to not being an essential worker. I do not dispute the debt. However the delinquent payments that are reporting were do to loss of my job due to XXXX pandemic. The cares act which was signed into law XX/XX/XXXX, and ended XX/XX/XXXX. This signed law amended the ( XXXX  ) to stop adverse credit reporting during the XXXX crisis.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
My name is XXXX XXXX. I have disputed 2 charges on my verizon visa card thats issued by synchrony bank. One charge is {$240.00} and another {$48.00}. And after disputing the charges a couple months back they have concluded the dispute and it was in my favor. But then a month later both charges showed up on my account again and i contacted XXXX and they have re initiated the disputes for me and today i see they denied it. I explained to synchrony hank countless times that there is no proof of delivery because i dis not receive, find, or sign for any packages for the charges mentioned above. And the merchants are refusing to help me and basically stole my money. And now being a client for synchrony bank they are refusing to help me as well. I do not have any documentation because the merchants are refusing to help me and now synchrony bank is turning on me as well and refusing to help me when i explained to then countless times that i did not receive my order i did not find or sign for any orders or packages. Just because there are tracking number showing delivered does not mean that i got my package, it couldve been tampered with, stolen, etc etc. i sincerely hope i was able to address my concerns appropriately and kindly ask for CFPB to be involved and express and potentially help me with this issue and altogether shed light on this fraud company synchrony bank so this does not happen to others.

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 2025-04-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Collectors Corp.
State: WI

Complaint narrative:
This letter is a formal dispute of a collection account appearing under the name PROFSNL COLL for the original creditor XXXX XXXX 

I am not aware of this debt and never authorized this account. I am requesting its removal from my credit report in accordance with : FCRA Section 605B ( blocking of identity theft-related entries ) FCRA Section 609 ( full verification required ) FDCPA regulations that prohibit the collection or reporting of invalid debts Please provide documented evidence validating this debt. If you are unable to validate, I request immediate deletion from all reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, Experian, and XXXX  data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 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: CA

Complaint narrative:
I have informed all three credit bureaus in regards to the same account. They are all reporting inaccurate information. All the information is different its not accurate. I have been trying to resolve this now close to a year. They have failed to properly investigate the accuracy that should be on my credit report. They have failed due to the laws of 15 USC 1681i ( a ) 1 challenges the 30 day response time,15 USC 1681i ( a ) 6 ( B ) 3 challenges investigation protocol,15 USC 1681i ( a ) ( 5 ) B challenge reinsertion protocols and US 1681 s-2. The three credit bureaus have not shown me in any way how they investigate their final results of being updated. I XXXX XXXX had requested on my own documents for my own investigation to this account XXXX XXXX XXXX for my records. I am requesting once again immediately deletion from all three credit bureaus for not reporting accurate information. I am sending you copies of results and update from all three credit bureaus along with my documents directly from XXXX XXXX. I will not except all three credit bureaus just to updated according to my investigation. Remember all three credit bureaus are recording different information and its been going on for close to a year.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 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:
I have informed all three credit bureaus in regards to the same account. They are all reporting inaccurate information. All the information is different its not accurate. I have been trying to resolve this now close to a year. They have failed to properly investigate the accuracy that should be on my credit report. They have failed due to the laws of 15 USC 1681i ( a ) 1 challenges the 30 day response time,15 USC 1681i ( a ) 6 ( B ) 3 challenges investigation protocol,15 USC 1681i ( a ) ( 5 ) B challenge reinsertion protocols and US 1681 s-2. The three credit bureaus have not shown me in any way how they investigate their final results of being updated. I XXXX XXXX had requested on my own documents for my own investigation to this account XXXX XXXX XXXX for my records. I am requesting once again immediately deletion from all three credit bureaus for not reporting accurate information. I am sending you copies of results and update from all three credit bureaus along with my documents directly from XXXX XXXX. I will not except all three credit bureaus just to updated according to my investigation. Remember all three credit bureaus are recording different information and its been going on for close to a year.

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 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
b'Subject: OCWEN Mortgage Account Still Reporting Inaccurately XXXX  Refused to Remove\n\nSummary:\n\nI am submitting this complaint regarding a mortgage account from OCWEN Loan Servicing, which is still appearing on my XXXX  credit report with multiple severe late payments (including 120+ days). The account was:\n\nOpened: August 10, XXXXnCloseXXXX XXXXXXXX XXXX XXXXn\nLast Payment: XXXX XXXX XXXX\nCurrent Balance: XXXXs: Transferred, Delinquent\n\nI previously disputed this account, but XXXX  continues to report it as verified, even though:\n\nThis account is not mine. I have never had a mortgage with OCWEN or PHH Mortgage (its successor).\n\nThe name on file is likely abbreviated as XXXX XXXX whereas my legal name is XXXX XXXX XXXX, fully spelled out. This raises a serious concern of mixed or misattributed identity.\n\nThe last activity was in XXXX, meaning the delinquencies are over 7 years old. Under FCRA 605(a)(5), this account should have already been removed.\n\nI provided my government-issued ID and Social Security card as evidence, but neither the bureau nor the furnisher has been able to provide documented proof linking this account to my identity. It was already removed from the other two credit bureaus, which further supports that the information is either unverifiable or inaccurate.\n\nWhat Im Requesting:\nI want this item permanently deleted from my XXXX  credit file.\n\nI am asking CFPB to review the lack of compliance with FCRA  1681e(b), 1681i, 1681s-2(b), and 605(a).\n\nI appreciate your support in enforcing these consumer protection standards.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: MO

Complaint narrative:
b"I'd recently reviewed my consumer report and noticed some unidentifiable items located on my consumer report. In addition, I did not give any of these creditors consent to furnish such information onto my report. This is a clear violation of FCRA Section 1681b(c) which constitutes as fraud & breach of my non-public personal information under Gramm-Leach Bliley.\n\nConsumer Reporting Agencies must comply by Federal law under Regulations V. Section 605b Block information resulting of identity theft. Attached is FTC reporting including identifiable information.\n\nFraudulent Accounts;\n\nXXXX XXXX XXXX XXXX                                          XXXX\nXXXX XXXX XXXX XXXX XXXX\nXXXX XXXXXXXX XXXX XXXX                                        XXXX\nXXXX XXXX XXXX XXXX                        XXXX\nXXXX XXXX                                               XXXX\nXXXX XXXX           XXXX                                          XXXX\nXXXX                 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 non-monetary relief
Consumer complaint received 2025-04-20 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: ME

Complaint narrative:
On Friday, XX/XX/year>, {$250.00} was sent from my local bank account debit card to Cash App XXXX  times, and the XXXX time it was sent declined. My bank account was connected to my Cash App, which is how I think the person who hacked into my Cash App account sent that money over. Then, {$750.00} was sent to a XXXX Debit Card ending in the numbers XXXX. After that, {$190.00} was sent from my local bank account debit card to Cash App, {$210.00} and {$170.00} were sent to Cash App as well but they were failed attempts. I did not authorize these transactions, I got a notification about the money being transferred over and I logged in to Cash App immediately and got into contact with Cash App to report it, and its an ongoing investigation that I was told would take 5-10 days. After that, I also sent {$190.00} to my girlfriend in case the person hacking my account tried to take out the remaining amount ( which was {$190.00} ). I also got into contact with my local bank account to report it and my account was closed and I will be opening a new account and I will be filing a dispute/ asking for a refund from them. Ive had to also change all my passwords and lock all my cards to all of my accounts and will be closing many accounts ( Cash App, XXXX, XXXX, local bank account ). Im considering taking further steps and reporting this situation to the authorities and consulting with a lawyer, because again, I did not authorize these transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: FL

Complaint narrative:
PERSONAL INFORMATION DISPUTE STATEMENT FOR CFPB.GOV Full Name : XXXX XXXX XXXX Date of Birth : XX/XX/year> Social Security Number ( Last XXXX ) : XXXX Current Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  XXXX : XXXX Email : XXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Personal Information Dispute Request for Full Removal of Inaccurate Data from Consumer Report I am filing this dispute regarding the personal information listed on my consumer report. There are multiple instances of inaccurate, outdated, or unauthorized data being reported under my name and personal file.

This dispute is being filed under my rights granted by the Fair Credit Reporting Act ( FCRA ), including Sections 609 and 611, which mandate that only accurate, verifiable, and authorized information
may be reported.

I am formally requesting the immediate correction of my consumer report to reflect ONLY the following accurate personal information : - Full Legal Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> - Social Security Number ( Last XXXX Digits ) : XXXX - Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone Number : XXXX - Email Address : XXXX I am requesting the IMMEDIATE REMOVAL of any and all of the following : Any misspelled, outdated, or unauthorized versions of my name Any former or unrecognized addresses that do not belong to me Any inaccurate or unauthorized employers Any phone numbers or emails not explicitly listed above Any and all personal identifiers not matching the above data These inaccuracies are harming my credit file and misrepresenting my identity. As the consumer, I have the right to a fully accurate report free of unverifiable or unauthorized information. 

I am requesting : A full reinvestigation of all personal information currently on file Removal of ALL inaccurate, unverifiable, or unauthorized data Written confirmation of the changes made A copy of the results of your reinvestigation, including source verification Deadline and Notice Please consider this a formal dispute and take notice that under the FCRA, you are required to complete the investigation within 30 calendar days of receiving this complaint. Failure to comply may result in further actions, including formal complaints filed with the Federal Trade Commission ( FTC ), state Attorney General, and legal counsel if necessary. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 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: FL

Complaint narrative:
PERSONAL INFORMATION DISPUTE STATEMENT FOR CFPB.GOV Full Name : XXXX XXXX XXXX Date of Birth : XX/XX/year> Social Security Number ( Last XXXX ) : XXXX Current Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  XXXX : XXXX Email : XXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Personal Information Dispute Request for Full Removal of Inaccurate Data from Consumer Report I am filing this dispute regarding the personal information listed on my consumer report. There are multiple instances of inaccurate, outdated, or unauthorized data being reported under my name and personal file.

This dispute is being filed under my rights granted by the Fair Credit Reporting Act ( FCRA ), including Sections 609 and 611, which mandate that only accurate, verifiable, and authorized information
may be reported.

I am formally requesting the immediate correction of my consumer report to reflect ONLY the following accurate personal information : - Full Legal Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> - Social Security Number ( Last XXXX Digits ) : XXXX - Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone Number : XXXX - Email Address : XXXX I am requesting the IMMEDIATE REMOVAL of any and all of the following : Any misspelled, outdated, or unauthorized versions of my name Any former or unrecognized addresses that do not belong to me Any inaccurate or unauthorized employers Any phone numbers or emails not explicitly listed above Any and all personal identifiers not matching the above data These inaccuracies are harming my credit file and misrepresenting my identity. As the consumer, I have the right to a fully accurate report free of unverifiable or unauthorized information. 

I am requesting : A full reinvestigation of all personal information currently on file Removal of ALL inaccurate, unverifiable, or unauthorized data Written confirmation of the changes made A copy of the results of your reinvestigation, including source verification Deadline and Notice Please consider this a formal dispute and take notice that under the FCRA, you are required to complete the investigation within 30 calendar days of receiving this complaint. Failure to comply may result in further actions, including formal complaints filed with the Federal Trade Commission ( FTC ), state Attorney General, and legal counsel if necessary. 

Thank you for your attention to this matter. 

Sincerely, 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 2025-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CONTRACT CALLERS INC
State: GA

Complaint narrative:
A debt collection appeared on my XXXX account XX/XX/XXXX in the amount of {$650.00}. I have never heard of Contract Callers out of XXXX Ga. The original debt was from XXXX XXXX and it was closed in XXXX. So now this random company has re aged an old debt in violation of FCRA 605 ( C ) ( 1 ) and FDCPA Sections 807 and 809. it's illegal to mispresent the age, status, or legal enforceability of a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$0.00} Late/Closed Inquiries in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief