vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-20 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: Portfolio Recovery Associates, LLC
State: MN

Complaint narrative:
To whom it may concern, I am requesting Debt validation as required pursuant bye FCRA. in addition to debt validation, I am also requesting a copy of wet signature contract failure to produce these request our subject to litigation in pursuit of statutory damages. 

I thank you for your prompt response to my request. I said documents can not be produced. I am demanding immediate deletion from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sentry Credit, Inc.
State: WA

Complaint narrative:
I once was have a car loan with XXXX XXXX in XXXX, I have never late for a payment. In a sudden they charged me an extra more than {$5000.00} on top of the loan, they told me i dont have car insurance so I provided them my proof of insurance policy but they disagree. End up XXXX repossessed my vehicle and made me pay extra {$12000.00} so i disagree and keep harrassing and threaten me by phone calls every day. Now they hiring the collection company name Sentry Credit collection to keep harrasment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
someone stole my check out of mail and attempted to cash it.

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 2025-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I have been a loyal capital one customer for many many years. Ive always paid my bill on time typically have any issues but recently my bag with my wallet and my phone. Passport was lost/stolen whenever I called you to report this. I asked you to close all the accounts and send me new cards. I was concerned that people would try to use them even more. You totally agreed you were very nice. very helpful. You asked a ton of questions and I answered all of them Fast-forward a few days later and I checked to see if youd sent any of the new cards out and youve closed half of my accounts and the other half are restricted so let me get this right I was a victim of a crime and your solution is to just close all of my accounts after so many years of being loyal to you so many years of paying my bills on time staying in my credit limit I mean I five or six accounts I cant remember exactly without just going and looking, but youve closed and restricted all the accounts. Theres no explanation Other than youre punishing me for being a victim of a crime. Theres been no communication on how to lift the restrictions off the couple accounts that are still open the one account the Kohls card I never even got to use the card. It was brand new before I even get to use it. You cancel it you you close the Account. Why do you think its XXXX to punish your loyal customers because they were a victim of a crime

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: IL

Complaint narrative:
I AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: IL

Complaint narrative:
I AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court.

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 2025-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Im a victim of fraud and identity theft my bag with my wallet my phone all my credit cards was lost/stolen. It wasnt just synchrony bank. There were other banks involved as well and Im working as quickly as possible to resolve all the issues but I want to specifically talk about my Lowes credit card. I have never even got to use the card. It hasnt been open for very long and whenever I reported that Ive been a victim of fraud that a criminal was using my credit card. Youre very nice and polite. Theres a bunch of questions you ask me and I answered everything did everything you said you even issued a new credit card and Then The next day you tell me that youre closing my account. And you said I had too many balances on my revolving account if somebody just use the little common sense here and think about it right now my credit file shows that my balance on my Lowes card is like {$6000.00} but its not gon na continue to show that because youre going to investigate and find out that Im not responsible for it and Ill have a XXXX balance with the same thing has happened with multiple other cards, but you solution is to punish me for being a victim of fraud I mean, did nobody think about that did a computer make this decision you just open the account a month ago and now youre closing it because I was a victim of somebody stealing my credit cards. How is that my fault and how is it that you cant put two and two together and realize that a lot of those balances it just maxed out overnight are all gon na go away in a month or two but no big Bank you dont care about the individual. Your solution is to just close the account. Shame on you. I actually was going to use the house card. We were going to buy a new stove, but clearly you dont want my business.

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 2025-03-19 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: MI

Complaint narrative:
I AM STRUGGLING TO GET EVERYTHING BACK IN ORDER AFTER DEALING WITH XXXX XXXX UNDER 605C. PLEASE HELP ME RESTORE MY ACCOUNTS AND ALL FRAUDULENT ACTIVITY ON MY CREDIT REPORTS. ALL SUPPORTING DOCUMENTS HAVE BEEN UPLOADED TO FURTHER SUPPORT MY CLAIM.

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 2025-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing a complaint against Cashp App ( block, inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to make 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 2025-03-19 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: IN

Complaint narrative:
The credit bureaus TransUnion, and Experian are reporting bankruptcies on my credit report attributing the information to the US Bankruptcy Court. The US Bankruptcy Court verified that they do not furnish information to credit bureaus or any credit monitoring service, nor do they verify or validate any information concerning bankruptcies. 

XXXX and Experian are falsely reporting this information on my credit report and has not yet removed it. The United States Bankruptcy Court does not have authority over credit reporting agencies and does not report to any of them. Bankruptcy petitions and case dockets are considered public records.

The Fair Credit Reporting Act, specifically Section 605, governs credit reporting agencies. According to this law, credit reporting agencies are prohibited from reporting bankruptcy cases on an individual 's credit report. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to privacy this Bankruptcy shouldn't be on my credit report, you shared my personal Information without my consent. this is identity theft ; you are criminally and CIVILLY LIABLE. What would be a fair resolution to this issue? 
I request that you immediately remove this invalid information from my credit report. It is severely damaging my reputation and hindering my ability to secure employment to support my family.

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 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: M.A.R.S., Inc.
State: TX

Complaint narrative:
XXXX. The inquiry was not authorized XXXX XXXXXXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Validate Account M A R S INC Account Number : XXXX Please verify this account. If you can not verify within 30 days you have to delete this inaccurate information. 

XXXX. The following is an invalid late payment XXXX XXXX Account XXXX : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please verify this account. If you can not verify within 30 days you have to delete this inaccurate information. 

XXXX. Validate Account XXXX XXXX XXXXXXXX Account Number : XXXX Please verify this account. If you can not verify within 30 days you have to delete this inaccurate information. 

XXXX. Validate Account XXXXXXXX XXXX  Account XXXX : XXXX Please verify this account. If you can not verify within 30 days you have to delete this inaccurate information. 

XXXX. XXXX Account XXXX XXXX XXXX XXXX Account Number : XXXX Please verify this account. If you can not verify within 30 days you have to delete this inaccurate information. 

XXXX. The following is an invalid late payment XXXX XXXX XXXX  Account Number : XXXX Please remove late payments and update account

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
My card was used to make over XXXX XXXX of crypto purchases that were sent out and I did not authorize. I asked to validate the account with Robinhood and they said there was nothing they could do to recover the funds. This has caused me a great deal of angst. I would like my funds restored.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: FL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-03-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am writing to dispute inaccurate and unverifiable information on my credit report pursuant to 15 U.S.C. XXXXi and to request that this information be immediately removed. I have previously contacted the credit reporting agencies regarding this matter, yet the disputed accounts remain on my report without proper verification. 

Under 15 U.S.C. XXXXi, credit reporting agencies are required to conduct a thorough investigation within XXXX days and remove any inaccurate, outdated, or unverified accounts. The following accounts contain errors and should be removed XXXX  -Personal loan companies- XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: NJ

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response. Below are the details of my complaint : XXXX. Charged-Off Account or Collection Account Creditor/Collection Agency Name : XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXX XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXX XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXX XXXX  Account Number : XXXX Issue : This account was charged off/placed in collections without proper notification or validation of the debt. 

I requested validation of the debt per my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), but the creditor/collection agency failed to provide sufficient documentation. 

The reported balance and payment history contain inaccuracies that I have disputed with the credit bureaus, yet the creditor refuses to correct or remove the erroneous data. 

The account was sold to a third-party collector, yet it remains listed under the original creditor, creating duplicate reporting and unfair harm to my credit profile. 

I am requesting the immediate deletion of this inaccurate and unverifiable account from my credit report or proper documentation proving its validity. 

XXXX. Unauthorized/Incorrect Hard Inquiry Company That Performed Inquiry : XXXX XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX Company That Performed Inquiry : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company That Performed Inquiry : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company That Performed Inquiry : XXXX  Date of Inquiry : XX/XX/XXXX Issue : I did not authorize this company to pull my credit. 

No written consent or permissible purpose exists for this hard inquiry, which is a violation of the FCRA ( 15 U.S.C. XXXXb ). 

Despite my dispute, the credit bureaus and the creditor have refused to remove the unauthorized inquiry. 

I am requesting the immediate removal of this hard inquiry from my credit report, as it was made without my authorization.

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 2025-03-19 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: LEXISNEXIS
State: CA

Complaint narrative:
I demand DELETE and or BLOCK According to law that you immediately provide the following information regarding your verification of these accounts The precise method used to verify the accounts. 
A copy of the original documentation relied upon. 
The name, title, and contact information of the individual or entity that conducted the verification. 
pursuant to the Identity Theft and Assumption Deterrence Act ( XXXX XXXX CXXXXe XXXX ), and under Section XXXXB of the FCRA ( XXXX XXXX CXXXXe XXXX ), you are obligated to block and remove information resulting from identity theft. Furthermore, Section XXXX ( a ) ( XXXX ) of the FCRA ( XXXX XXXX CXXXXe XXXX ) mandates that you provide detailed documentation of the verification process. To date, you have failed to meet these requirements DELETE OR BLOCK ACCORINGLY Inquiry Unauthorized Prepared For XXXX XXXX Report Number XXXX Date Generated XX/XX/XXXX XXXX OF XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Bank Credit Cards Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Mortgage Companies Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Mortgage Companies Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Finance Companies - non specific Contact info Address XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Phone number ( XXXX ) XXXX XXXX XXXX  Original balance {$34000.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Mortgage Address XXXX XXXX, XXXX XXXX Phone XXXX ( XXXX ) XXXX Balance {$62000.00} Balance updated XX/XX/XXXX Original balance {$34000.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Mortgage Address XXXX XXXXXXXX XXXX XXXX Phone number ( XXXX ) XXXX Original balance {$65000.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Mortgage Address XXXX XXXX, XXXX XXXX  Phone number ( XXXX ) XXXX

Company response to consumer: Closed with explanation