vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-27 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. 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 has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever 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 according to 15 USC 1681 ( e ) ( b ).

And according to the fair credit reporting act Whenever 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
This company charges off my account as a profit or loss but I never recieved my XXXX c form from them so they are reporting fraud activity

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
My complaint ID XXXX Ally credit card company has acted reprehensibly. They are being accused of scam-like behavior by providing the consumer 's card information for dispute resolution over three months, then wrongly shifting the responsibility to the consumer to resolve the issue themselves. Furthermore, they compounded this by unfairly charging late fees and interest to the consumer. I request a thorough investigation into this unethical credit card company.

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 monetary relief
Consumer complaint received 2025-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
I sent them a letter requesting validation and proof that I sign any agreement. They did a sham investigation and sent a copy of an old bill claiming it was validated. This is not what the law requires. Please have this item removed from my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION
State: MS

Complaint narrative:
A car was purchased in my name Ive called XXXX  to report it nothing was done about it and its in my credit report it has been lingering for 4 years

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 2025-04-27 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX  AND XXXX  DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-04-27 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
On Monday XX/XX/year> I told a representative for Mr. Cooper that we were refinancing and the XXXX XXXX XXXX XXXX told me not to pay XXXX mortgage because we were closing in that following Wednesday the XXXX. The representative said they would make note and have the calls stop. Then, on Friday the XXXX I got a letter from Mr. Cooper that said that they had sent my loan to default even though the previous rep said that I was good until the XXXX. I called the company that Friday and asked why they were still communicating with me when I told them to stop. The representative confirmed that my account was noted as closing with the refinance on the XXXX and that she will make sure Mr. Cooper stops calling and contacting me until after the XXXX if something was to go wrong with the closing of the loan. I received another call from Mr. Cooper stating that they were collecting a debt on Sunday the XXXX around XXXX XXXX  time. This is after two times communicating with Mr. Cooper to stop stressing me out about not paying and sending my loan to default when I was told not to pay since we are refinancing and closed our loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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 reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX ) : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Please investigate and provide Proof with statements showing that these payments were late. 

If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

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 2025-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
Citibank and Home Depot have put a garnish on my savings for a Home Depot account that was opened by my deceased husband. I even went to Home Depot and they looked in their system by using my SSN and could not find an account in my name. They have put a hold on my saving account for the amount owed. I show no Home Depot or Citibank accounts on all 3 of my credit reports. When I call Citibank they gave me a number to lawyer and Citibank won't communicate with me.

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 2025-04-27 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: NY

Complaint narrative:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : DEPTEDXXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : DEPTEDXXXX # XXXX - Date Opened XX/XX/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 2025-04-27 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:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Fl, XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XXXX, PA XXXX Subject : Dispute of Accounts Related to Data Breach Request for Investigation Dear TransUnion, I am writing to formally dispute certain accounts on my credit report that may have been impacted by a recent data breach involving my personal information. I recently became aware that my personal and financial data was compromised in a breach, and I have reason to believe that some of the accounts listed on my credit file may be the result of unauthorized activity.

Specifically, I request that you investigate the following accounts : Creditor Name : XXXX XXXX  Date Opened : XX/XX/XXXX According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that I believe is inaccurate or fraudulent. Given the circumstances of the data breach, I request that these accounts be thoroughly investigated, validated, and if found to be unauthorized, immediately removed from my credit report.

Enclosed, I have provided copies of documents supporting my claim, including : Government-issued ID Proof of address Any relevant police report or FTC Identity Theft Report ( if applicable ) Please complete your investigation within the 30-day timeframe as required under federal law and inform me of the results in writing. If you find that these accounts are indeed unauthorized, I request that you remove them and provide me with an updated copy of my credit report. 

Thank you for your prompt attention to this matter. I look forward to your response. 

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 2025-04-27 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: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
XXXX have settled 4 previous charge offs with 3rd party creditors in XXXX, but my credit reports still have the last updates being from XXXX, and also still reflect them as write-offs?  I disputed them with all 3 bureaus along with letters from the creditors that the accounts were settled and paid, but they will not update my reports showing theyre resolved?  I have tried 3 times 2 (online) and 1 (in writing with all documentation) to get their status corrected, but they just respond that they will remain on my report without making any updates?  I am not disputing that they are on my account.  I am disputing their information as being incorrect!  They still show on my report as purchased by another lender (which is true and they have been paid), so their status should reflect that! This is seriously affecting my credit, because it looks like they have never been addressed!  What is the sense in people paying their debts if the credit bureaus dont have to fix anything?  At this point I want these off my report since its been over 2 1/2 years since I settled them. This is unacceptable, and I will be filing a lawsuit if this does not get corrected.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I called and had the account closed due to fraudulent transactions and made the bank aware of the situation they continued to let the account remain open while someone was using my card information until it maxed out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: SC

Complaint narrative:
I DO NOT RECOGNIZE THIS ADDRESS PLEASE REMOVE THANK YOU. 

XXXX XXXX XXXX, XXXX, SC, XXXX XXXX XXXX XXXX, XXXX, SC, XXXX FROM : EXPERIAN

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 2025-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I recently received a Credit Card from Capital One. When I went to activate my new card, it was a disaster. I got a representative over the phone who could not be understood because of language barrier. I am American and can usually understand. I kept telling this representative that I couldn't understand him. He developed an attitude, and refused to help. I also couldn't utilize the Capital One App, because it was not user friendly. This has been a very bad experience, and I would recommend Capital One to NO ONE.Othet card representatives are User Friendly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: FL

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX ) : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Please investigate and provide Proof with statements showing that these payments were late. 

If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 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: SC

Complaint narrative:
I am submitting this complaint Equifax, Experian and XXXX  regarding XXXX  XXXX, based on multiple violations of my rights under the Fair Credit Reporting Act ( FCRA ), as well as alleged unlawful collection practices following the securitization of my loan, and their failure to issue a 1099-C tax form following a charge-off. XXXX. Inaccurate Credit Reporting ( FCRA Violation ) XXXX XXXX is currently reporting inaccurate information on my credit report. Specifically, they are showing an active charge-off status with an outstanding balance, despite the account being charged off. A charge-off by definition is a written-off debt and should report a {$0.00} balance under standard credit reporting practices.

2. Securitization of Receivables According to XXXX XXXX 's SEC filings, XXXX XXXX transfers loan receivables to a trust entity for securitization purposes. Once the receivable has been assigned or sold to the trust, XXXX XXXX no longer retains the legal right to collect on that account. If XXXX XXXX has relinquished ownership of the debt, they should not be reporting it nor pursuing collection. 
3. Failure to Issue 1099-C After Charge-Off XXXX  XXXX has not issued a XXXX form for the charged-off debt, which is typically required for tax reporting purposes when a debt is canceled or forgiven. The lack of this form creates issues for my financial and tax records and may violate IRS guidelines related to debt forgiveness.

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 2025-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: LA

Complaint narrative:
On XXXX XXXX I was scammed out of {$700.00} from my cash app account. I contacted cashapp to try to get the money back but I was told once the money was gone it was no way to returned it. I didnt know the person that took my money nor did I give him authorization to take money from my account. I did file a police report but cash app refuse to follow suit. I was told if I file a report I would get my money back. I tried to contact the person numerous times to send my money back but no response. My account went into the - {$700.00} dollars. After I file a police report and cancel my card unfortunately I was not able to get the money back from my banking institution even though it was a fraudulent charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I am writing in response to your attempt to collect an alleged debt from me. I am formally requesting validation of this debt, as is my right under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g.

Please provide the following information : 1.

The name and address of the original creditor.

2.

The original account number associated with the debt.

3.

The amount of the original debt and an itemized breakdown of any additional fees, interest, or charges added.

4.

Proof that you have the legal right to collect this debt, including a copy of the assignment or purchase agreement transferring the debt to your agency.

5.

Copies of any signed agreements or contracts establishing my liability for this debt.

6.

Proof that the debt is within the applicable statute of limitations.

7.

Copies of any judgments obtained against me ( if applicable ).

8.

The full name and address of any previous collectors who have attempted to collect this debt.

Until I receive the requested information, I am disputing this debt in its entirety. Under the FDCPA, you are required to cease collection efforts until this debt is validated. If you fail to provide proper validation, I will consider this matter resolved and expect no further communication regarding this debt.

Additionally, any reporting of this unvalidated debt to credit bureaus may be a violation of the Fair Credit Reporting Act ( FCRA ), and I will not hesitate to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office if necessary. 
Please respond to this request in writing at the address provided above.

Company response to consumer: Closed with explanation