vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I applied to get a credit card for the first time and got denied : " '' We are unable to provide a credit card offer for you at this time for the reason ( s ) listed below : Submitted web Pre-Qualification inquiry is considered suspicious or potentially fraudulent '' '' I've never applied to get a card from this company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX  $ XXXXXXXX Repossession XXXX XXXX Bridgecrest deceptiveness $ XXXX Student loan $ XXXX XXXX over $ XXXX Small health insurance charges $ XXXX Inquiries over XXXX from the last XXXX yr unauthorized I need my scores restored XXXX Military veterans

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: TX

Complaint narrative:
I recently looked at a copy of my credit report and noticed the following account that contains debt that I am not liable for and I have never established a contract with this creditor : XXXX XXXX XXXX XXXX This account is hurting my ability to obtain credit and costing me thousands of dollars in interest

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 2025-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SOFI TECHNOLOGIES, INC.
State: MO

Complaint narrative:
Someone hacked my banking account by adding an external account in order to withdraw money from my savings. SoFi saw this as suspicious behavior and cancelled the withdrawal and placed my account on restriction with no resolution date and refused to close my account when I asked. I need my money as I have bills coming in.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldridge PIte Haan, LLP
State: GA

Complaint narrative:
XXXX reference this previous report that was closed. I have attached my report to FTC because I am a victim of Identity Theft and I am trying to have this charge off removed from my credit report immediately. I previously reported it to XXXX which was the collection agency I was told held the account now I'm being told its Aldridge so I am resubmitting this report. I did not authorize this credit card account and would like it removed. I'm being told that basically just because there were payments made towards the account it has to be mine which is not proof enough to pin this on me. I did not authorize this account to be opened in my name and I want it removed. I have been a victim of identity theft for years and its driving me crazy constantly fighting to clear my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: AZ

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally dispute the accuracy of one or more collection accounts appearing on my credit report. I believe these accounts are being reported incorrectly and are negatively impacting my credit profile. Below are the details of the disputed accounts : 1.Creditor/Collection Agency Name : CREDENCE RESOURCE MANA Account Number : XXXX Amount in Dispute : {$1300.00} Reason for Dispute : The amount is incorrect. The balance reported does not match any records I have.

2. Creditor/Collection Agency Name : CREDENCE RESOURCE MANA Account Number : XXXX Amount in Dispute : {$180.00} Reason for Dispute : The amount is incorrect. The balance reported does not match any records I have.

3. Creditor/Collection Agency Name : XXXX XXXX XXXX Account Number : XXXX Amount in Dispute : {$1200.00} Reason for Dispute : The amount is incorrect. The balance reported does not match any records I have.

4. Creditor/Collection Agency Name : XXXX XXXX XXXX Account Number : XXXX Amount in Dispute : {$430.00} Reason for Dispute : The amount is incorrect. The balance reported does not match any records I have. 
5. Creditor/Collection Agency Name : XXXX XXXX XXXX Account Number : XXXX Amount in Dispute : {$1100.00} Reason for Dispute : The amount is incorrect. The balance reported does not match any records I have. 
6. Creditor/Collection Agency Name : XXXX XXXX XXXX Account Number : XXXX Amount in Dispute : {$1900.00} Reason for Dispute : The debt does not belong to me. I have no knowledge of this account and request verification of the debt, including the original creditor information and any documentation proving I am responsible. 
7. Creditor/Collection Agency Name : XXXX XXXX  XXXX Account Number : XXXX Amount in Dispute : {$1500.00} Reason for Dispute : The amount is incorrect. The balance reported does not match any records I have. 
8. Creditor/Collection Agency Name : XXXX XXXX  XXXX Account Number : XXXX Amount in Dispute : {$2400.00} Reason for Dispute : The amount is incorrect. The balance reported does not match any records I have. 
9. Creditor/Collection Agency Name : XXXX XXXX XXXX Account Number : XXXX Amount in Dispute : {$920.00} Reason for Dispute : The debt does not belong to me. I have no knowledge of this account and request verification of the debt, including the original creditor information and any documentation proving I am responsible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 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: MS

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 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: MS

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

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 2025-02-15 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated the federally protected consumers rights to privacy and confidentiality under USC section 602 A. It also states that a consumer report 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  " I looked at my Equifax report on XX/XX/year> and noticed that somethings are incomplete and inaccurate according to the Fair Credit Reporting Act. Whenever a consumer agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy according to 15USC1681 ( e ) ( b ) And according to 15 USC1681i ( 5 ). They are suppose to do this treatment of inaccurate or un verifiable information. In general after any reinvestigation under paragraph ( 1 ) and information disputed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
Subject : Formal Complaint Against Tower Loan of XXXX XXXX for FDCPA Violations Dear CFPB, I am writing to formally file a complaint against Tower Loan of XXXX XXXX for repeated violations of the Fair Debt Collection Practices Act ( FDCPA ) and other predatory lending practices. Tower Loan has engaged in ongoing harassment, deceptive practices, and unfair debt collection tactics that have caused significant distress to my family and me. 

The following are specific issues we have encountered : 1. Harassment Through Excessive Calls Tower Loan calls multiple times a day, often back-to-back.

Employees use their personal phone numbers to contact us.

2. Unlawful Disclosure of Debt to Third Parties They have called and discussed our debt with family members and friends, demanding payment.

3. False Threats of Legal Action They continuously threaten legal action they do not intend to take.

4. Unfair and Unlawful Payment Requirements They require payments to be made only in cash, in person, and in-store, which is restrictive and unreasonable.

5. Lack of Transparency and Inaccurate Accounting The branch manager was unable to provide a total amount we have paid to date.

When we attempted to check our account online, it stated that we do not have an active account with original account number.

* They have created multiple account numbers. 
* Loan was opened XX/XX/year> XXXX. XXXX XXXX Tower Loan employees have come to our home and discussed our debt in front of our neighbors and children, causing embarrassment and distress. 
7. Discrepancies in Loan Payments and Balance Owed We originally took out a {$4000.00} loan from Tower Loan. 
According to our bank statements, we have paid a total of {$4800.00}, not including multiple cash payments made at the branch. 
Despite having repaid well over {$6000.00}, Tower Loan states that we still owe {$5000.00}, which is inconsistent and suggests predatory lending or improper accounting practices. 

This situation has caused extreme stress for my family and me. Tower Loans conduct appears to violate multiple provisions of the FDCPA, including excessive harassment, third-party disclosure, misleading statements, and unfair debt collection practices. 

I request the CFPB to investigate Tower Loan and hold them accountable for their unlawful practices. Additionally, I request a detailed and accurate accounting of our loan payments and balance. 

Please assist us in stopping this harassment and ensuring that Tower Loan of XXXX XXXX complies with federal debt collection laws.

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 2025-02-15 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau Office of Consumer Response XXXX XXXX XXXX XXXX  XXXX, IA XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint Against Experian for Violating FCRA Section 607 ( b ) Dear CFPB Team, I am writing to formally file a complaint against Experian regarding their ongoing violations of the Fair Credit Reporting Act ( FCRA ), specifically Section 607 ( b ). This section provides that [ w ] henever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Unfortunately, I am experiencing the same issues that your office previously addressed when you sued Experian for conducting sham investigations of credit report errors. Experian has repeatedly failed to properly investigate my disputes and has not removed or reinserted errors on my credit report. This negligence threatens my access to credit, employment, and housing. Despite my efforts to rectify these issues, Experian continues to misrepresent my financial status.

I have submitted all necessary documentation to correct my rental agreement account, which Experian falsely reports as closed. Their response indicated a modification of my dispute, which is misleading and inaccurate. The details of my account, including a comprehensive record of charges and payments, demonstrate that I have valid claims that Experian refuses to acknowledge.

The CFPB 's allegations against Experian highlight their failure to conduct adequate investigations into consumer disputes. Specifically, Experian employs faulty intake procedures and does not convey all relevant information to original furnishers. They uncritically accept furnishers ' responses, even when those responses are implausible. The notices they send to consumers regarding dispute results are often confusing, incorrect, or inconsistent.

Given these circumstances, I urge the CFPB to take immediate action against Experian. Their ongoing violations of the FCRA are detrimental to consumers, including myself, who rely on accurate credit reporting for essential life decisions. I am requesting that the CFPB pursue legal action against Experian to ensure they are held accountable for their misconduct. 

Thank you for your attention to this serious matter. I am hopeful for a prompt resolution to my complaint and look forward to hearing from you soon. 

Sincerely,

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 2025-02-15 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: CA

Complaint narrative:
I have reached out and know they have been giving n denying me credit. I have been victim of identity theft and accounts being hacked. There is a lot on my credit that shouldn't be there and have been dealing with this for 3 years and has effected my life.

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 2025-02-15 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: NC

Complaint narrative:
I am writing to dispute certain accounts and inquiries listed on my consumer credit report, as referenced below. These entries are the result of a data breach or fraud, and I am requesting verifiable proof that includes my signature or electronic signature. 

This letter is being sent on my behalf, not through a third party, so I ask that you review it carefully. I never authorized these actions, which violate my consumer rights under the Fair Credit Reporting Act ( FCRA ) Section 605B [ 15 U.S.C. 1681c-2 ], regarding the blocking of fraudulent information, and Section 604 [ 15 U.S.C. 1681b ], which governs the permissible purposes of consumer reports.

I have already contacted the involved companies and confirmed that these actions were taken without proper validation or original proof. Since I did not authorize these accounts and inquiries, they are inaccurate and result from a data breach or the unlawful reporting of my consumer information by creditors or third-party data furnishers. 

I request that these unauthorized accounts and inquiries be promptly removed 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 explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process? was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: MD

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
A bankruptcy is on my credit report. The U.S. Bankruptcy Court does not reoport to any credit agencies.

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 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
A bankruptcy is on my credit report. The U.S. Bankruptcy Court does not reoport to any credit agencies.

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 2025-02-15 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: TN

Complaint narrative:
According to15 USC The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 I looked at my Transunion report on XX/XX/year> and noticed that somethings are incomplete and inaccurate according to the Fair Credit Reporting Act. Whenever a consumer agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy according to 15USC1681 ( e ) ( b ) And according to 15 USC1681i ( 5 ). They are suppose to do this treatment of inaccurate or un verifiable information. In general after any reinvestigation under paragraph ( 1 ) and information disputed

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