vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-25 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: VA

Complaint narrative:
I have sent multiple letters to each credit bureau Equifax, Transunion, and Experian explaining the inaccurate information they are continuing to report on my credit report. these accounts have not been authorized by me. I have discovered my information was copromissed in many different data breaches. The main being Equifax and my local subscription stores. I have provided documentation and still no response. I have don try research and as an American citizen I have the right for each bureau to report 100 percent accurate information per the FCRA in particular 15 usc 1681i. These items have also not been validated per again FCRA 15 usc 1691g. I need these issues resolved, it is affecting my personal life unfairly.

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 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My account with EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2025-02-25 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I am writing to formally submit a complaint against Synchrony Bank CareCredit Fraud Investigation Dept.. 

On XX/XX/XXXX, I faxed the requested documentation to Synchrony Bank as part of the fraud investigation into my account that was fraudulently charged out of country for an out state merchant as per fraud investigator # XXXX My faxed documentation included my police report, statement, federal trade commission report, credit report of fraud charge, I called and spoke with a fraud investigator # XXXX on XX/XX/XXXX, who informed me that they have the physical copy of my documentation in their back office. However, he mentioned that it has not yet been scanned into their system, which is causing unnecessary delays in resolving my issue. This lack of timely processing leads me to believe that Synchrony Bank is being deceptive in their handling of my case. 

I called the Fraud Dept today on XX/XX/XXXX to follow up on confirming my XX/XX/XXXX faxed document has been scanned in. Fraud investigator XXXX # XXXX states my faxed documents are not received/scanned/uploaded and deceptively claims they scan/upload card holders faxed documents upon 48 hours. 

Its been a week that has passed since I submitted my faxed documentation on XX/XX/XXXX and I have not received any acknowledgment or updates regarding the status of my submission confirmed as being received/scanned/uploaded yet. 

Today XX/XX/XXXX i fax Synchrony Bank Care Credit Fraud Dept my work place proof of attendance to show I was at work in NY on date of fraudulent charge made out of country. 
I also included fax of my XXXX  XXXX XXXX Credit Card Statement showing my NY gas station purchase to prove again that I was in NY during this out of country fraudulent credit card charge. I called the Fraud Investigator a few hours after I faxed and they will not confirm receipt of my fax document. I feel they are being deceptive, dragging there feet on my case, not being responsive to my inquiries, and not handling my case properly. 

I find it frustrating and concerning that such delays occur, especially when financial institutions are entrusted to handle sensitive information efficiently and transparently. I urge the Consumer Financial Protection Bureau to investigate this matter and hold Synchrony Bank accountable for their practices that seem to disregard consumer rights and timely communication. 

Thank you for your attention to this matter. I look forward to your response and any assistance you may provide in resolving this issue.

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 2025-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
Capital One sent me a letter to apply for a credit card that I dont want.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: TX

Complaint narrative:
MY PERSONAL INFORMATION WAS INVOLVED IN BOTH EQUIFAX AND XXXX DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

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 2025-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
My cc account was closed I did not know it I had charges coming through they emailed me and said your account is closed. I made a XXXX XXXX payment to cover the purchases and they took the payment but they won't process the charge my min payment is XXXX dollars i am being forced to pay it off not over time as the agreement states. 
I asked for a refund they wont give me one.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: TX

Complaint narrative:
Dear CFPB, I am writing to formally file a complaint against Cash App regarding a fraudulent transaction that occurred on my account. On XX/XX/year>, I discovered that {$1600.00} was stolen from my Cash App account. I promptly reported this incident to Cash App, informing them that I had filed a police report and that I had not authorized these charges. 

Upon reviewing my account history, it is evident that I typically do not make transactions of such a large amount. My usual activity consists of receiving deposits and making small withdrawals, generally under {$100.00}. Following the incident, my connected checking account with XXXX XXXX was able to investigate the matter and reversed the fraudulent charge, crediting my account permanently after I provided them with the necessary details. also, I have never had any transactions with the person that stole the money from my account prior to this incident. Also, I've never disputed any charges or anything like that. 

However, despite my efforts to resolve this issue, Cash App has since retained {$510.00} that was deposited into my account from child support. They have more information regarding the individual responsible for the fraudulent charges but have refused to initiate an investigation into that account. I am aware of at least XXXX other individual who has faced similar issues with Cash App, which raises concerns about their commitment to address fraudulent activities. 

Given the circumstances and the police report I provided, I respectfully request that Cash App return the {$510.00} to me promptly. Their lack of action to investigate the fraudulent account is unacceptable, and I believe my rights as a consumer are being violated. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue. 

Sincerely, XXXX XXXX Phone XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: CA

Complaint narrative:
I am writing to formally express my concern regarding the unauthorized release of my bankruptcy information. I recently became aware that details regarding my bankruptcy were disclosed without my consent, which has caused me significant distress and potential harm. 

I would like to request a thorough investigation into how this information was released and to whom. Additionally, I request immediate corrective action to prevent further unauthorized disclosures. If this matter was due to an error or negligence, I would appreciate a written explanation of how it occurred and what measures are being taken to ensure it does not happen again. 

Please consider this letter a formal notice of my concern, and I request a response outlining the next steps within 14 days from the date of this letter. If necessary, I am prepared to escalate this matter further to protect my privacy and legal rights.

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 2025-02-25 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: CA

Complaint narrative:
I am writing to formally express my concern regarding the unauthorized release of my bankruptcy information. I recently became aware that details regarding my bankruptcy were disclosed without my consent, which has caused me significant distress and potential harm. 

I would like to request a thorough investigation into how this information was released and to whom. Additionally, I request immediate corrective action to prevent further unauthorized disclosures. If this matter was due to an error or negligence, I would appreciate a written explanation of how it occurred and what measures are being taken to ensure it does not happen again. 

Please consider this letter a formal notice of my concern, and I request a response outlining the next steps within 14 days from the date of this letter. If necessary, I am prepared to escalate this matter further to protect my privacy and legal rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC
State: OH

Complaint narrative:
This negative item does not meet the FCA reporting requirements. I do not recognize how and why this is reported. Delete immediately, please. I have attempted to contact this agency asking them to vary the proof of debt and they've denied my request. They continue to contact me and my parents through spam phone calls.

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 2025-02-25 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:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

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 2025-02-25 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: MO

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX, Mo XXXX ] [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ] [ XXXX, MN XXXX ] Subject : Formal Dispute of Debt Pursuant to the Fair Credit Reporting Act ( FCRA ) and Missouri Consumer Protection Laws To Whom It May Concern, I am writing to formally dispute the debt that your company, XXXX XXXX XXXX, XXXX, is attempting to collect and has reported to my credit report. As a consumer protected under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 ], the Fair Debt Collection Practices Act ( FDCPA ) [ 15 U.S.C. 1692 ], and Missouri state consumer laws, I am requesting that you immediately cease all collection activity, correct any inaccurate reporting, and provide the following documentation : 1. Proof of License & Registration XXXX XXXX XXXX, XXXX is not licensed or registered to collect debts in Missouri as required by Missouri Revised Statutes XXXX et seq. ( if applicable ). Under Missouri law, unlicensed collection agencies can not engage in debt collection activities, including credit reporting. Please provide evidence of your valid license to collect debts in Missouri. 
2. Validation of Debt Under 15 U.S.C. 1692g ( b ) of the FDCPA, I request full validation of this alleged debt, including the original creditors name, the itemized breakdown of the amount, and any signed agreements proving my obligation to pay. Failure to provide this documentation within 30 days will be considered an admission that the debt is invalid. 
XXXX. Immediate Removal from My Credit Report XXXX XXXX XXXX XXXX, XXXX does not have legal standing to collect in Missouri, any reporting to my credit file constitutes illegal and inaccurate reporting under the FCRA 1681s-2 ( b ). You are required to correct or delete this inaccurate information from my credit report immediately. 

If you fail to comply with these requests, I will have no choice but to escalate this matter by filing formal complaints with the Missouri Attorney Generals Office, the Consumer Financial Protection Bureau ( CFPB ), and the Federal Trade Commission ( FTC ). Furthermore, I will explore legal action for willful violations of federal and state consumer protection laws, including seeking damages for any harm caused by your unlawful actions. 

Please provide a written response confirming the deletion of this account from my credit report and cessation of collection activity. You may send your response to the address listed above within 30 days of receipt of this letter. 

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 2025-02-25 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: DE

Complaint narrative:
To whom this may concern, this is my final notice informing the credit reporting agencies that they are reporting INACCURATE/ FRAUDULENT & INCOMPLETE accounts on my consumer report. 
This practice is unfair and its causing me financial woes. Please delete those accounts immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: DE

Complaint narrative:
To whom this may concern, this is my final notice informing the credit reporting agencies that they are reporting INACCURATE/ FRAUDULENT & INCOMPLETE accounts on my consumer report. 
This practice is unfair and its causing me financial woes. Please delete those accounts immediately.

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 2025-02-25 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: FL

Complaint narrative:
I am submitting this formal request to dispute inaccurate credit information appearing on my report. As a XXXX XXXX XXXXXXXX XXXX, I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) to have the following derogatory item and hard inquiries removed from my credit file. 

Disputed Account : XXXX XXXXccount Number : XXXX Opened : XX/XX/XXXX Balance : {$3000.00} Hard Inquiries to Be Removed : XXXX. XXXX - XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under FCRA ( 15 U.S.C. 1681c-2 ), survivors of XXXX XXXX are entitled to have negative credit information resulting from their victimization removed from their credit reports. I am formally requesting that TransUnion process the removal of this account and the listed inquiries in compliance with this law. 
Additionally, due to the TransUnion Data Breach, I have concerns regarding potential fraudulent activity and identity theft. Considering this, any unverified or inaccurate accounts and inquiries should be permanently removed from my credit profile.

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 2025-02-25 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: FL

Complaint narrative:
I DID NOT AUTHORIZE THESE TRANSACTIONS LET ALONE DO BUSINESS WITH THESE COMPANIES. THEY WERE CAUSED BY IDENTITY THEFT/FRAUD AND ARE NOT CORRECT. PR 15 USC 1681 B FOR THAT REASON THEY MUST BE REMOVED OR ELSE I WILL BE FORCED TO TAKE LEGAL ACTION

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: FL

Complaint narrative:
I DID NOT AUTHORIZE THESE TRANSACTIONS LET ALONE DO BUSINESS WITH THESE COMPANIES. THEY WERE CAUSED BY IDENTITY THEFT/FRAUD AND ARE NOT CORRECT. PR 15 USC 1681 B FOR THAT REASON THEY MUST BE REMOVED OR ELSE I WILL BE FORCED TO TAKE LEGAL ACTION

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