vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
MY PERSONAL INFORMATION WAS INVOLVED IN BOTH EQUIFAX AND NPD 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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I continue to hound EXPERIAN to correct information on my report and to provide their XXXX score being used to determine credit scores. That data was specifically cited for recent loan denials and extremely high interest rates up to 12.99 % apr for new car loans. 
They drop my XXXX score daily without explanation while my FICO scores and Credit scores with my banking and credit institutions rise almost daily and are as high as XXXX. 

They have received multiple request to provide a free FICO score to no avail. Instead, the only option they offer for that data is to purchase it as a bundle to get all 3.

Federal law requires they provide that for free if it was used in a determination resulting in a negative result. 

And finally, they offer a Credit BOOST Program they applied 3 erroneous accounts to in lieu of what they include under their own policy!

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 — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
American Express has charged off an account and has reported it as a loss to the IRS. I am asking for my 1099 c to file accordingly

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: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I received an XXXX XXXX XXXX XXXX XX/XX/year> for a hard credit check form SYNCHRONY FINANCIAL, 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 XXXXXXXX XXXX XXXXXXXX XXXX Connecticut. I called to report the fraud, cancel the card and completed, notarized, signed and faxed their form to investigate.

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: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: IL

Complaint narrative:
On or about XX/XX/year> I had a rep call me after I set up a payment plan and was given false and threatening information also incorrect. I was told I had to have XXXX in by the XXXX or my account was being charged off. I advsd I had a payment plan scheduled for XX/XX/year> she sd I had to have the money in or it would possibly be repossessed or payment in full will be needed. I told her I didn't have that amount but I diod borrow the extra and made the payment to keep it from bein repossessed. I asked her what will happen to my payment plan she wasn't able to give concrete information. So today XX/XX/year> I called because I don't see the payment plan being active and was told that my payment plan was permanently removed and I had to have a payment in by the XXXX day or repo my start but because I have a complaint with cfpb I am protected until the case is closed. I asked for a customer relations rep to assist because the rep on the 30 didnt tell me that I was protected by CFPB and it was ok to let the payment be pulled on XX/XX/year>. She said nothing about me being protected.Now i am stressing out because I can't make another payment right now. I was just on hold with a rep but call disco. No call back as of now

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:
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any credit inquiries that I have made. It is the result of identity theft. 

I did not authorize the following credit inquiries that were a result of the identity theft : XXXX XXXXXXXX XX/XX/year> XX/XX/year> Please remove this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply.

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: NC

Complaint narrative:
I am filing a complaint against cash app ( Block, inc. ) due to inadequate customer service and unfair practices, which violates 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, they're 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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Im requesting that my hard inquiries are removed. I dont recognize XXXX XXXX. 
Ive spoken to XXXX  XXXX in the past about removing the hard inquiry they agreed to do so but never did. And XXXX XXXX has multiple inquiries that I did not authorize.

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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of XXXX XXXX XXXX ( mo ) XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX acct # XXXX, XXXXXXXX XXXX XXXXXXXX acct # XXXX, XXXX XXXX XXXX acct 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 2025-02-06 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: 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 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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.

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: Experian Information Solutions Inc.
State: MD

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 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: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
Apple Card Goldman Sachs closed my credit card without any explanation or prior notice and prevented me from accessing more than {$140000.00} in funds on my savings account that I needed to pay my mortgages on time for no reason I reached out and they still haven't solved this problem, I need access to my funds and they are preventing me from accessing my own money

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: NC

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed belo
w is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

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

Complaint narrative:
American Express sent me an email saying I was over my preset credit limit, I had a " No Limit '' Platinum Card which I paid {$750.00} for the service a year for over 10 years. 

At the end of XXXX XXXX my purchase power was {$75000.00}, on XXXX I received an email saying that I was over my limit at $ XXXX not even have of the purchasing power I was told a few days before. I have been told {$75000.00} was my purching power from the beginning of the card, Amex said that it is now {$28000.00} which I have never had a preset limit with that card, so how can you be over the limit. 

I have never had a late fee or a late payment, perfect record with Amex. This time of year I run the balance higher and then pay off through the year. Now I am unable to use and they want $ XXXX before even being able to use. Why never late for 10+ years and/or completely paid more months than carrying a balance.

Deceptive marketing, I was paying {$750.00} a year, Amex is saying I had a preset limit. Not true.

I called and tried working it out with customer service and they did nothing to help. I have moved all business to another card. The problem is I can not pay the amount they want me to pay because they tripled the minimum amount for being over the preset limit. Again, no limit for 10+ years, why now?

However they are not working with me because to date I do not have a late payment. I tried calling 2 days before the due date however the customer service person would not do anything even when I told him Amex tripled my payment and I could not afford that at this time.

I believe that they did to many people to bring in large amount of cash for the first quarter. Really bad business plan by someone getting rid of loyal, perfect paying, never late paying customers.

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: EQUIFAX, INC.
State: TX

Complaint narrative:
Subject : Dispute of Unverified Collection on Equifax Report Dear Customer Relations, I am writing to formally dispute an inaccurate collection account that remains on my Equifax credit report. Under the Fair Credit Reporting Act ( FCRA ) XXXX U.S.C. XXXX, credit reporting agencies are required to ensure that all reported information is accurate, verifiable, and fair. 
Both XXXX and XXXX have conducted investigations into this collection account and determined that the debt was unverifiable. As a result, they have removed the account from my credit profile. However, Equifax continues to report this collection despite its inability to verify the debts accuracy, which violates my rights under the FCRA. 
I am requesting that Equifax immediately re-investigate and remove this erroneous collection to maintain compliance with federal consumer protection laws. Please provide a response in writing regarding the outcome of this request. 

I will like this removed from my report ASAP!

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Subject : Dispute of Unverified Collection on Equifax Report Dear Customer Relations, I am writing to formally dispute an inaccurate collection account that remains on my Equifax credit report. Under the Fair Credit Reporting Act ( FCRA ) XXXX U.S.C. XXXX, credit reporting agencies are required to ensure that all reported information is accurate, verifiable, and fair. 
Both XXXX and XXXX have conducted investigations into this collection account and determined that the debt was unverifiable. As a result, they have removed the account from my credit profile. However, Equifax continues to report this collection despite its inability to verify the debts accuracy, which violates my rights under the FCRA. 
I am requesting that Equifax immediately re-investigate and remove this erroneous collection to maintain compliance with federal consumer protection laws. Please provide a response in writing regarding the outcome of this request. 

I will like this removed from my report ASAP!

Company response to consumer: Closed with explanation